Flood risk in San Juan

Flooding is not covered by a standard homeowners policy anywhere in the country — it is a separate policy. Whether you are required to carry it depends on the zone your address falls in.

FEMA's current mapping for the San Juan area shows Zone AE, Zone VE, Zone A, Zone AO alongside Zone X, which is the lower-risk designation.

San Juan includes Zone AO. That is shallow sheet flooding — water spreading across the surface rather than a river coming up. It is rated on depth rather than elevation, so the usual advice about elevation certificates does not apply the same way.

Source: FEMA National Flood Hazard Layer.

Whether your address needs flood cover at all comes down to which zone it sits in — and that is an address-level answer, not a town-level one.

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