Parts of it are. Most waterfront homes west of US 41 sit in a flood zone, but elevation matters more than the zone label. In my experience, many neighborhoods built after about 2000 were built up around 10 feet and fared very differently in storms than older, lower streets. Most homes in those newer communities did not see flood water from Helene. Even so, two homes close together can have very different histories. So check the elevation certificate, the storm history, and whether the seller's flood policy can be transferred to you. Send me the address and I'll tell you what I know about that street.
Read the full neighborhood-by-neighborhood guide on my site: https://relocatingtoparadise.com/flood-zones/
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