Scranton, PA Home InsuranceHome insurance in Scranton, PA
Part of Scranton sits behind a flood control system that isn't finished yet. Here's what that means for your policy.
Flood risk in Scranton
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 Scranton area shows Zone AE, Zone A, Zone A99 alongside Zone X, which is the lower-risk designation.
Part of Scranton sits in Zone A99. That is land protected by a flood control system that is not yet finished. It is treated differently from ordinary high-risk land, and the treatment changes when the system is completed and certified — so a property here can see its flood position change without the property changing at all.
Scranton 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 420538.