Flood Insurance in Kansas City Mo

[Alyssa Esquivel]

I’m currently under contract for a duplex in KCMO zip code 64131. I’m shopping for homeowners insurance and wondering if I should also get flood insurance?

[Pete M.]

@Alyssa Esquivel Will you have a lender for the property? If so, they'll require flood insurance if it's in a flood-risk zone. You can check the FEMA flood maps here: https://msc.fema.gov/portal/home

Here's a third-party site I like to judge risk based on many more conditions, but the FEMA flood maps are still the source-of-truth for lenders:  https://floodfactor.com/

Also, make sure your insurance understands whether you'll be living on the property or not.