Aquia Harbour Flood Risk & Insurance
Does Aquia Harbour flood, and do you need flood insurance?
Most of Aquia Harbour is outside FEMA's flood zones: on the 2023 flood maps, 50 of the community's 2,334 address points (about 2%) fall inside the 100-year flood zone (zone AE), all on streets along Aquia Creek. A mortgage on a home in that zone will generally require flood insurance.
Check any single address on FEMA's Flood Map Service Center (msc.fema.gov) before you make an offer.
Does Aquia Harbour flood?
Rarely, by FEMA's maps: 50 of 2,334 address points (2.1%) are in the 100-year flood zone, zone AE, where FEMA sets base flood elevations of 6 to 8 feet. They're on six streets along the creek.
address points in zone AE
How do you check if an address is in a FEMA flood zone?
Type the address into FEMA's Flood Map Service Center (msc.fema.gov) or the flood layer on Stafford County's GIS maps. Stafford's current flood maps (FIRM panels 51179C0132G, 0134G, 0151G and 0153G) took effect 21 June 2023.
By address
Panels 51179C0132G, 0134G, 0151G, 0153G
What's the trade-off?
The creek is the reason many people buy here, and the handful of streets right on it are where FEMA's flood zone falls. Being outside the zone keeps insurance optional, but it isn't a promise of a dry basement.
.