Flood risk in Lower Merion

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 Lower Merion area shows Zone AE, Zone A alongside Zone X, which is the lower-risk designation.

Lower Merion 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 420701.

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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