The City of Orlando points owners to its online Information Locator and to FEMA’s Flood Map Service Center to find a property’s flood zone, and it keeps an online viewer of FEMA elevation certificates, which every building constructed in a Special Flood Hazard Area must have. Floodplain questions go to floodplain@orlando.gov. Orlando is a Class 6 community in FEMA’s Community Rating System, which the city says can mean a 20 percent discount on flood insurance premiums.
Whatever the zone, Florida law requires the seller of a home to tell the buyer, at or before signing the contract, about flood damage during their ownership and any flood insurance claims or FEMA help they received. You fill out that disclosure for us like any buyer, and a yes doesn’t end our interest in the house.