Flood risk in Wilkes-Barre

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 Wilkes-Barre area shows Zone AE, Zone A, Zone AO alongside Zone X, which is the lower-risk designation.

Wilkes-Barre includes Zone AO. That is shallow sheet flooding — water spreading across the surface rather than a river coming up. It is rated on depth rather than elevation, so the usual advice about elevation certificates does not apply the same way.

WILKES-BARRE, CITY OF is in FEMA's Community Rating System at Class 6, which earns residents 20% off flood insurance in the high-risk zones. Most homeowners have never heard of this and it applies automatically.

Source: FEMA National Flood Hazard Layer; NFIP community 420631.

Wilkes-Barre earns a 20% community discount on flood premiums, and most people who qualify have never been told. Worth confirming you are getting it.

Within 24 hours a licensed agent will email you back a competitive quote from our local office.

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