Flood risk in St. Paul

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 St. Paul area shows Zone AE, Zone A alongside Zone X, which is the lower-risk designation.

St. Paul takes part in the National Flood Insurance Program but is not in the Community Rating System, so there is no community discount on flood premiums here.

Source: FEMA National Flood Hazard Layer; NFIP community 275248.

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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