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.

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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