{"id":42050,"date":"2026-03-28T08:00:00","date_gmt":"2026-03-28T12:00:00","guid":{"rendered":"https:\/\/www.assur360.ca\/blog\/home-insurance-in-quebec-2\/new-flood-maps-has-your-home-just-lost-value\/"},"modified":"2026-04-03T11:14:27","modified_gmt":"2026-04-03T15:14:27","slug":"new-flood-maps-has-your-home-just-lost-value","status":"publish","type":"post","link":"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/new-flood-maps-has-your-home-just-lost-value\/","title":{"rendered":"New flood maps: Has your home just lost value?"},"content":{"rendered":"\n<script type=\"application\/ld+json\">{\"@context\": \"https:\/\/schema.org\", \"@type\": \"Article\", \"headline\": \"Nouvelles cartes de zones inondables : votre maison vient-elle de perdre de la valeur?\", \"description\": \"Le Qu\u00e9bec r\u00e9vise ses cartes de zones inondables en 2026. 30 % de r\u00e9sidences suppl\u00e9mentaires \u00e0 risque. V\u00e9rifiez votre adresse, impact hypoth\u00e8que et valeur, couverture d'assurance.\", \"image\": \"https:\/\/www.assur360.ca\/wp-content\/uploads\/2026\/03\/flood-final.jpg\", \"author\": {\"@type\": \"Person\", \"name\": \"Jean Boissonneault\", \"url\": \"https:\/\/www.assur360.ca\/blog\/author\/app\/\", \"description\": \"Jean Boissonneault, courtier d'assurance associ\u00e9 certifi\u00e9 AMF (n\u00ba 2000037336), est propri\u00e9taire d'Assur360 et courtier depuis plus de 30 ans.\", \"hasCredential\": {\"@type\": \"EducationalOccupationalCredential\", \"credentialCategory\": \"Permis de cabinet en assurance de dommages (n\u00ba 2000037336)\", \"recognizedBy\": {\"@type\": \"Organization\", \"name\": \"Autorit\u00e9 des march\u00e9s financiers\", \"url\": \"https:\/\/lautorite.qc.ca\"}}}, \"publisher\": {\"@type\": \"Organization\", \"name\": \"Assur360\", \"url\": \"https:\/\/www.assur360.ca\", \"logo\": {\"@type\": \"ImageObject\", \"url\": \"https:\/\/www.assur360.ca\/wp-content\/uploads\/2024\/10\/assur360-logo.svg\"}}, \"datePublished\": \"2026-03-28T08:00:00-04:00\", \"dateModified\": \"2026-03-28T08:00:00-04:00\", \"mainEntityOfPage\": {\"@type\": \"WebPage\", \"@id\": \"https:\/\/www.assur360.ca\/blog\/assurance-habitation-au-quebec\/cartes-zones-inondables-quebec-valeur-maison\/\"}}<\/script><script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"BreadcrumbList\",\n  \"itemListElement\": [\n    {\n      \"@type\": \"ListItem\",\n      \"position\": 1,\n      \"name\": \"Accueil\",\n      \"item\": \"https:\/\/www.assur360.ca\/\"\n    },\n    {\n      \"@type\": \"ListItem\",\n      \"position\": 2,\n      \"name\": \"Blog\",\n      \"item\": \"https:\/\/www.assur360.ca\/blog\/\"\n    },\n    {\n      \"@type\": \"ListItem\",\n      \"position\": 3,\n      \"name\": \"Assurance habitation au Qu\u00e9bec\",\n      \"item\": \"https:\/\/www.assur360.ca\/blog\/assurance-habitation-au-quebec\/\"\n    },\n    {\n      \"@type\": \"ListItem\",\n      \"position\": 4,\n      \"name\": \"Nouvelles cartes de zones inondables : votre maison vient-elle de perdre de la valeur?\",\n      \"item\": \"https:\/\/www.assur360.ca\/blog\/assurance-habitation-au-quebec\/cartes-zones-inondables-quebec-valeur-maison\/\"\n    }\n  ]\n}\n<\/script><script type=\"application\/ld+json\">{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Comment savoir si ma maison est en zone inondable?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Consultez la plateforme G\u00e9o-Inondations du gouvernement du Qu\u00e9bec (geoinondation.gouv.qc.ca) en entrant votre adresse. Vous pouvez aussi v\u00e9rifier votre certificat de localisation, contacter votre municipalit\u00e9 ou MRC, ou faire appel \u00e0 un arpenteur-g\u00e9om\u00e8tre membre de l'OAGQ.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Les nouvelles cartes de zones inondables sont-elles d\u00e9j\u00e0 en vigueur?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Oui. Le nouveau cadre r\u00e9glementaire du MELCCFP est en vigueur depuis le 1er mars 2026. Les cartes utilisent d\u00e9sormais quatre niveaux d'intensit\u00e9 (Tr\u00e8s \u00e9lev\u00e9, \u00c9lev\u00e9, Mod\u00e9r\u00e9, Faible) au lieu de l'ancien syst\u00e8me \u00e0 deux zones (0-20 ans et 0-100 ans).\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Mon assurance habitation couvre-t-elle les inondations?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"La couverture de base en assurance habitation ne couvre g\u00e9n\u00e9ralement pas les inondations caus\u00e9es par le d\u00e9bordement d'un cours d'eau ou la crue des eaux. Vous devez ajouter un avenant sp\u00e9cifique pour l'eau de surface ou les inondations. Un courtier d'assurance ind\u00e9pendant peut analyser votre contrat et vous recommander la protection ad\u00e9quate.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Ma maison va-t-elle perdre de la valeur si elle est class\u00e9e en zone inondable?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Selon les \u00e9tudes disponibles, une propri\u00e9t\u00e9 nouvellement class\u00e9e en zone inondable peut subir une d\u00e9pr\u00e9ciation de 1 \u00e0 4 %. Pour les propri\u00e9t\u00e9s d\u00e9j\u00e0 situ\u00e9es dans des zones \u00e0 risque \u00e9lev\u00e9, la d\u00e9pr\u00e9ciation peut atteindre 11 \u00e0 22 %. L'impact d\u00e9pend du niveau de risque, de la disponibilit\u00e9 de l'assurance et de la perception des acheteurs.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Puis-je encore obtenir une hypoth\u00e8que en zone inondable?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Cela d\u00e9pend du pr\u00eateur et du niveau de risque. Depuis f\u00e9vrier 2024, Desjardins a cess\u00e9 d'accorder des hypoth\u00e8ques dans les zones inondables \u00e0 risque tr\u00e8s \u00e9lev\u00e9. D'autres institutions financi\u00e8res pourraient suivre. La SCHL exige une preuve d'assurance inondation pour les propri\u00e9t\u00e9s en zone \u00e0 risque.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Que faire si ma propri\u00e9t\u00e9 est nouvellement class\u00e9e en zone inondable?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"V\u00e9rifiez d'abord votre classification exacte sur G\u00e9o-Inondations. Contactez ensuite un courtier d'assurance pour \u00e9valuer votre couverture actuelle. Informez votre pr\u00eateur hypoth\u00e9caire. Investissez dans des mesures de pr\u00e9vention (clapet antiretour, pompe de puisard, imperm\u00e9abilisation). Documentez l'\u00e9tat de votre propri\u00e9t\u00e9 et conservez toutes les preuves.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Combien co\u00fbte un avenant inondation sur mon assurance habitation?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Le co\u00fbt varie consid\u00e9rablement selon votre emplacement, le niveau de risque et votre assureur. Un avenant pour l'eau de surface peut co\u00fbter de 100 $ \u00e0 plus de 1 000 $ par ann\u00e9e. En zone \u00e0 risque \u00e9lev\u00e9, certains assureurs refusent tout simplement de couvrir les inondations. Un courtier ind\u00e9pendant peut magasiner parmi plusieurs assureurs pour trouver la meilleure offre.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Le gouvernement va-t-il indemniser les propri\u00e9taires en zone inondable?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Le programme d'aide financi\u00e8re en cas de sinistre du gouvernement du Qu\u00e9bec offre une indemnisation limit\u00e9e (maximum d'environ 300 000 $). Le Bureau d'assurance du Canada souligne que les discussions sur un programme national d'assurance inondation entre les gouvernements f\u00e9d\u00e9ral et provinciaux n'ont pas encore abouti. L'aide gouvernementale ne remplace pas une couverture d'assurance ad\u00e9quate.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Quelles sont les restrictions de construction en zone inondable?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Le nouveau cadre r\u00e9glementaire interdit toute nouvelle construction en zone d'intensit\u00e9 Tr\u00e8s \u00e9lev\u00e9. En zone \u00c9lev\u00e9, des restrictions s\u00e9v\u00e8res s'appliquent (immunisation obligatoire, rehaussement du rez-de-chauss\u00e9e). En zone Mod\u00e9r\u00e9 et Faible, les constructions sont permises sous conditions. Les r\u00e9novations majeures peuvent aussi \u00eatre encadr\u00e9es selon la classification.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"Un courtier d'assurance peut-il m'aider \u00e0 trouver une couverture inondation?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Absolument. Un courtier d'assurance ind\u00e9pendant a acc\u00e8s \u00e0 plusieurs assureurs et peut magasiner pour trouver une couverture inondation adapt\u00e9e \u00e0 votre situation. Il peut aussi analyser les exclusions de votre contrat actuel, vous recommander les avenants n\u00e9cessaires et n\u00e9gocier des conditions avantageuses m\u00eame en zone \u00e0 risque.\"\n      }\n    }\n  ]\n}\n<\/script>\n\n<p style=\"font-size:19px;line-height:1.8;color:#334155\"><strong>Quebec&#8217;s new flood zone maps<\/strong>, effective March 1, 2026, redefine the flood risk for hundreds of thousands of residential properties. The Ministry of the Environment (MELCCFP) has replaced the old two-zone system with a <strong>framework with four levels of intensity<\/strong>: Very High, High, Moderate and Low. About <strong>30% more residences<\/strong> could now be classified as at risk, according to estimates. With <strong>340,000 properties exposed<\/strong> to flooding in Quebec and 325,000 households without access to flood insurance, this reform directly affects real estate value, access to mortgage financing and <a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/\">home insurance<\/a> coverage. Here&#8217;s what you need to know to protect your wealth.    <\/p>\n\n<div style=\"background:linear-gradient(135deg, #0d1f2d 0%, #1a3a4a 100%);border-radius:16px;padding:40px 36px;margin:40px 0;text-align:center;\">\n  <p style=\"color:#ffffff;font-size:22px;font-weight:700;margin:0 0 10px 0;line-height:1.4;\">Is your house in a flood zone?<\/p>\n  <p style=\"color:#94a3b8;font-size:16px;margin:0 0 24px 0;line-height:1.6;\">Check your current coverage and get a suitable quote for free.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-quote-5\/\" style=\"display:inline-block;background:#10c4c7;color:#ffffff;font-size:18px;font-weight:700;padding:16px 48px;border-radius:30px;text-decoration:none;\">Get my free quote<\/a>\n<\/div>\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_83 ez-toc-wrap-center counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">sommaire interactif<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #5b5b5b;color:#5b5b5b\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #5b5b5b;color:#5b5b5b\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/new-flood-maps-has-your-home-just-lost-value\/#What-changes-on-1-March-2026-the-new-regulatory-framework\" >What changes on 1 March 2026: the new regulatory framework<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/new-flood-maps-has-your-home-just-lost-value\/#How-to-check-if-your-home-is-in-a-flood-zone\" >How to check if your home is in a flood zone<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/new-flood-maps-has-your-home-just-lost-value\/#Impact-on-the-value-of-your-property\" >Impact on the value of your property<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/new-flood-maps-has-your-home-just-lost-value\/#Impact-on-your-mortgage\" >Impact on your mortgage<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/new-flood-maps-has-your-home-just-lost-value\/#Does-your-home-insurance-cover-flooding\" >Does your home insurance cover flooding?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/new-flood-maps-has-your-home-just-lost-value\/#What-to-do-if-you-are-newly-classified-as-a-flood-zone\" >What to do if you are newly classified as a flood zone<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/new-flood-maps-has-your-home-just-lost-value\/#Preventive-measures-to-reduce-your-risk\" >Preventive measures to reduce your risk<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/new-flood-maps-has-your-home-just-lost-value\/#The-National-Flood-Insurance-Program-Where-Do-We-Stand\" >The National Flood Insurance Program: Where Do We Stand?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/new-flood-maps-has-your-home-just-lost-value\/#Sell-or-Stay-How-to-Make-the-Right-Decision\" >Sell or Stay: How to Make the Right Decision<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/new-flood-maps-has-your-home-just-lost-value\/#Frequently-Asked-Questions-FAQs\" >Frequently Asked Questions (FAQs)<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\" style=\"font-size:28px;font-weight:700;color:#0d1f2d\"><span class=\"ez-toc-section\" id=\"What-changes-on-1-March-2026-the-new-regulatory-framework\"><\/span>What changes on 1 March 2026: the new regulatory framework<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p style=\"font-size:17px;line-height:1.8;color:#334155\">Quebec has just taken a historic step in flood risk management. The <strong>MELCCFP&#8217;s new regulatory framework<\/strong>, which came into effect on March 1, 2026, replaces a decades-old system that classified zones into only two categories: the <em>0-20 year recurrence<\/em> zone and the <em>0-100 year recurrence<\/em> zone. This simplistic system no longer reflected the reality of the risks, especially in a context of <strong>climate change<\/strong> that intensifies extreme weather events.  <\/p>\n\n<h3 class=\"wp-block-heading\" style=\"font-size:22px;font-weight:600;color:#0d1f2d\">The 4 new intensity levels<\/h3>\n\n<p style=\"font-size:17px;line-height:1.8;color:#334155\">The new system introduces a much finer classification that allows for a better assessment of the real risk for each property:<\/p>\n\n<div style=\"overflow-x:auto;margin:24px 0;\">\n<table style=\"width:100%;border-collapse:collapse;border-radius:12px;overflow:hidden;font-size:16px;\">\n  <thead>\n    <tr>\n      <th style=\"background:#0d1f2d;color:#ffffff;padding:14px 18px;text-align:left;font-weight:600;\">Level<\/th>\n      <th style=\"background:#0d1f2d;color:#ffffff;padding:14px 18px;text-align:left;font-weight:600;\">Color<\/th>\n      <th style=\"background:#0d1f2d;color:#ffffff;padding:14px 18px;text-align:left;font-weight:600;\">Restrictions<\/th>\n      <th style=\"background:#0d1f2d;color:#ffffff;padding:14px 18px;text-align:left;font-weight:600;\">Impact insurance<\/th>\n    <\/tr>\n  <\/thead>\n  <tbody>\n    <tr style=\"background:#ffffff;\">\n      <td style=\"padding:14px 18px;border-bottom:1px solid #e2e8f0;font-weight:600;\">Very high<\/td>\n      <td style=\"padding:14px 18px;border-bottom:1px solid #e2e8f0;\"><span style=\"background:#800020;color:#fff;padding:4px 12px;border-radius:20px;font-size:13px;\">Burgundy<\/span><\/td>\n      <td style=\"padding:14px 18px;border-bottom:1px solid #e2e8f0;\">No new construction allowed<\/td>\n      <td style=\"padding:14px 18px;border-bottom:1px solid #e2e8f0;\">Coverage often denied or extremely expensive<\/td>\n    <\/tr>\n    <tr style=\"background:#f8fafc;\">\n      <td style=\"padding:14px 18px;border-bottom:1px solid #e2e8f0;font-weight:600;\">High<\/td>\n<td style=\"padding:14px 18px;border-bottom:1px solid #e2e8f0;\"><span style=\"background:#dc2626;color:#fff;padding:4px 12px;border-radius:20px;font-size:13px;\">Red<\/span><\/td>\n<td style=\"padding:14px 18px;border-bottom:1px solid #e2e8f0;\">Severe restrictions, mandatory<\/td>\n immunization<td style=\"padding:14px 18px;border-bottom:1px solid #e2e8f0;\">High premiums, specialized rider required<\/td>                  \n    <\/tr>\n    <tr style=\"background:#ffffff;\">\n      <td style=\"padding:14px 18px;border-bottom:1px solid #e2e8f0;font-weight:600;\">Moderate<\/td>\n      <td style=\"padding:14px 18px;border-bottom:1px solid #e2e8f0;\"><span style=\"background:#f97316;color:#fff;padding:4px 12px;border-radius:20px;font-size:13px;\">Orange<\/span><\/td>\n      <td style=\"padding:14px 18px;border-bottom:1px solid #e2e8f0;\">Conditional construction<\/td>\n      <td style=\"padding:14px 18px;border-bottom:1px solid #e2e8f0;\">Recommended surface water endorsement<\/td>\n    <\/tr>\n    <tr style=\"background:#f8fafc;\">\n      <td style=\"padding:14px 18px;font-weight:600;\">Low<\/td>\n      <td style=\"padding:14px 18px;\"><span style=\"background:#eab308;color:#fff;padding:4px 12px;border-radius:20px;font-size:13px;\">Yellow<\/span><\/td>\n      <td style=\"padding:14px 18px;\">Constructions permitted with precautions<\/td>\n      <td style=\"padding:14px 18px;\">Check the exclusions of your contract<\/td>\n    <\/tr>\n  <\/tbody>\n<\/table>\n<\/div>\n\n<p style=\"font-size:17px;line-height:1.8;color:#334155\">According to Radio-Canada, this cartographic revision now incorporates the most recent data on historical floods, climate projections and <a href=\"https:\/\/ici.radio-canada.ca\/nouvelle\/2171411\/quebec-cadre-reglementaire-zones-inondables\" target=\"_blank\" rel=\"noopener\">high-precision<\/a> topography obtained by LiDAR technology. The result: a much more detailed mapping that could reclassify about <strong>30% more residences<\/strong> in a risk category. <\/p>\n\n<h3 class=\"wp-block-heading\" style=\"font-size:22px;font-weight:600;color:#0d1f2d\">A reminder of the historic floods in Quebec<\/h3>\n\n<p style=\"font-size:17px;line-height:1.8;color:#334155\">This reform comes in a context marked by major disasters. In <strong>2017<\/strong>, spring flooding affected 261 municipalities and more than 5,400 homes, resulting in estimated government costs of nearly $300 million. In <strong>2019<\/strong>, the failure of the Sainte-Marthe-sur-le-Lac dike hit 314 municipalities, generating <strong>$438 million<\/strong> in claims from the government. Nationally, insured losses from natural disasters reached a record <strong>$8.5 billion in 2024<\/strong>, according to the <a href=\"https:\/\/bac-quebec.qc.ca\/fr\/enjeux-en-assurance-de-dommages\/inondations\/\" target=\"_blank\" rel=\"noopener\">Insurance Bureau of Canada (IBC).<\/a> Flooding alone accounts for <strong>75% of disaster relief costs<\/strong>.    <\/p>\n\n<h2 class=\"wp-block-heading\" style=\"font-size:28px;font-weight:700;color:#0d1f2d\"><span class=\"ez-toc-section\" id=\"How-to-check-if-your-home-is-in-a-flood-zone\"><\/span>How to check if your home is in a flood zone<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p style=\"font-size:17px;line-height:1.8;color:#334155\">The first step for any homeowner is to know their exact situation. Professor Michael Bourdeau-Brien of Universit\u00e9 Laval sums it up well: <em>&#8220;Not knowing the risk leads to poor purchase, renovation and insurance decisions.&#8221;<\/em> Here are the tools at your disposal: <\/p>\n\n<h3 class=\"wp-block-heading\" style=\"font-size:22px;font-weight:600;color:#0d1f2d\">1. The Geo-Flood Platform<\/h3>\n\n<div style=\"border-left:4px solid #10c4c7;border-radius:12px;padding:28px;background:#f8fafc;margin:20px 0;\">\n  <p style=\"margin:0 0 12px 0;font-size:17px;line-height:1.7;color:#334155;\">The official tool of the Government of Quebec is the <a href=\"https:\/\/geoinondation.gouv.qc.ca\" target=\"_blank\" rel=\"noopener\" style=\"color:#10c4c7;font-weight:600;\">Geo-Floods<\/a> platform. With just a few clicks, you can: <\/p>\n  <ul style=\"margin:0;padding-left:20px;color:#334155;font-size:16px;line-height:2;\">\n    <li>Enter your exact address to view your classification<\/li>\n    <li>See the intensity level (Very high, High, Moderate, Low)<\/li>\n    <li>Consult the history of floods in your area<\/li>\n    <li>Download a report for your property<\/li>\n  <\/ul>\n<\/div>\n\n<h3 class=\"wp-block-heading\" style=\"font-size:22px;font-weight:600;color:#0d1f2d\">2. Other means of verification<\/h3>\n\n<p style=\"font-size:17px;line-height:1.8;color:#334155\">In addition to the online platform, several additional resources exist:<\/p>\n\n<ul class=\"wp-block-list\" style=\"font-size:17px;line-height:2;color:#334155\">\n<li><strong>Your certificate of location<\/strong> \u2014 This official document, prepared by a land surveyor, indicates whether your property is located in a flood zone. Check its date: a certificate older than 10 years may not reflect the new cards. <\/li>\n<li><strong>Your municipality or MRC<\/strong> \u2014 The urban planning department can confirm the classification of your land according to the new maps. The <a href=\"https:\/\/www.quebec.ca\/agriculture-environnement-et-ressources-naturelles\/eau\/zones-inondables-mobilite-rives-littoral\/cartographies\/en-vigueur\" target=\"_blank\" rel=\"noopener\">Government of Quebec&#8217;s website<\/a> also lists the maps in effect by region. <\/li>\n<li><strong>A land surveyor (OAGQ)<\/strong> \u2014 For an accurate assessment of your property, a land surveyor can carry out a topographic survey and determine the exact elevation of your property in relation to flood levels.<\/li>\n<li><strong>Your insurance broker<\/strong> \u2014 An <a href=\"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/my-insurance-broker-2\/\">independent insurance broker<\/a> often has access to additional risk data and can help you assess your exposure.<\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\" style=\"font-size:28px;font-weight:700;color:#0d1f2d\"><span class=\"ez-toc-section\" id=\"Impact-on-the-value-of-your-property\"><\/span>Impact on the value of your property<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p style=\"font-size:17px;line-height:1.8;color:#334155\">This is the question that thousands of Quebec homeowners are asking: <strong>Has my home lost value?<\/strong> The available data provide a nuanced but worrying picture.<\/p>\n\n<h3 class=\"wp-block-heading\" style=\"font-size:22px;font-weight:600;color:#0d1f2d\">Depreciation in figures<\/h3>\n\n<p style=\"font-size:17px;line-height:1.8;color:#334155\">According to studies conducted in Canada and abroad, the impact on real estate values can be measured at two levels:<\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit, minmax(280px, 1fr));gap:20px;margin:24px 0;\">\n  <div style=\"border-left:4px solid #10c4c7;border-radius:12px;padding:28px;background:#f8fafc;\">\n    <p style=\"font-size:36px;font-weight:800;color:#0d1f2d;margin:0 0 8px 0;\">1% to 4%<\/p>\n    <p style=\"font-size:15px;color:#64748b;margin:0 0 12px 0;font-weight:600;text-transform:uppercase;\">Initial impairment<\/p>\n    <p style=\"font-size:16px;color:#334155;margin:0;line-height:1.6;\">For properties <strong>newly classified<\/strong> as a flood zone. This decline occurs in the months following the reclassification, even before a loss occurs. <\/p>\n  <\/div>\n  <div style=\"border-left:4px solid #10c4c7;border-radius:12px;padding:28px;background:#f8fafc;\">\n    <p style=\"font-size:36px;font-weight:800;color:#0d1f2d;margin:0 0 8px 0;\">11% to 22%<\/p>\n    <p style=\"font-size:15px;color:#64748b;margin:0 0 12px 0;font-weight:600;text-transform:uppercase;\">Depreciation in risk areas<\/p>\n    <p style=\"font-size:16px;color:#334155;margin:0;line-height:1.6;\">For properties located in <strong>high or very high<\/strong> risk areas, especially after a proven loss or when insurance coverage becomes impossible to obtain.<\/p>\n  <\/div>\n<\/div>\n\n<p style=\"font-size:17px;line-height:1.8;color:#334155\">Several factors influence the extent of the depreciation: the availability of insurance, the perception of potential buyers, the proximity of the last loss and the construction restrictions imposed by the municipality. A property that cannot be provided for flood <a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-3-minute-quote\/flood-insurance\/\">coverage<\/a> will see its value drop more significantly than an insurable property. <\/p>\n\n<div style=\"border-left:4px solid #10c4c7;border-radius:12px;padding:28px;background:#f8fafc;margin:24px 0;\">\n  <p style=\"margin:0;font-size:17px;line-height:1.7;color:#334155;font-style:italic;\">To understand how your municipal assessment and the market value of your property may be affected, check out our <a href=\"https:\/\/www.assur360.ca\/en\/blog\/price-2\/home-insurance-estimate-3\/\" style=\"color:#10c4c7;font-weight:600;\">home insurance valuation guide<\/a> which explains the connection between the value of a property and the cost of insurance.<\/p>\n<\/div>\n\n<h2 class=\"wp-block-heading\" style=\"font-size:28px;font-weight:700;color:#0d1f2d\"><span class=\"ez-toc-section\" id=\"Impact-on-your-mortgage\"><\/span>Impact on your mortgage<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p style=\"font-size:17px;line-height:1.8;color:#334155\">Beyond market value, the new flood maps have a direct impact on <strong>mortgage financing<\/strong>. Financial institutions are currently reassessing their exposure to flood risk, and the decisions already taken are sending a clear signal to the market. <\/p>\n\n<h3 class=\"wp-block-heading\" style=\"font-size:22px;font-weight:600;color:#0d1f2d\">Desjardins&#8217; decision<\/h3>\n\n<p style=\"font-size:17px;line-height:1.8;color:#334155\">In <strong>February 2024<\/strong>, Desjardins announced that it was stopping mortgage loans for properties located in very high-risk flood zones. The decision, the first of its kind in Quebec, has shaken up the real estate market and could prompt other lenders to adopt similar policies. <\/p>\n\n<p style=\"font-size:17px;line-height:1.8;color:#334155\">For homeowners already in a flood zone, the implications are multiple:<\/p>\n\n<ul class=\"wp-block-list\" style=\"font-size:17px;line-height:2;color:#334155\">\n<li><strong>Mortgage renewal<\/strong> \u2014 Your lender may require proof of flood insurance at the time of renewal, which may not have been the case before.<\/li>\n<li><strong>Refinancing<\/strong> \u2014 Access to refinancing may be limited if your property is classified as a high-risk or very high-risk area.<\/li>\n<li><strong>Resale<\/strong> \u2014 Potential buyers may have difficulty obtaining financing, reducing the pool of buyers and, therefore, the selling price.<\/li>\n<li><strong>CMHC requirements<\/strong> \u2014 The Canada Mortgage and Housing Corporation now requires proof of flood insurance for properties located in at-risk areas when issuing an insured loan.<\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\" style=\"font-size:28px;font-weight:700;color:#0d1f2d\"><span class=\"ez-toc-section\" id=\"Does-your-home-insurance-cover-flooding\"><\/span>Does your home insurance cover flooding?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p style=\"font-size:17px;line-height:1.8;color:#334155\">This is a crucial question, and the answer often surprises homeowners. Most basic <a href=\"https:\/\/www.assur360.ca\/en\/2026-home-insurance-guide-in-quebec\/\">home insurance<\/a> policies in Quebec <strong>do not cover<\/strong> damage caused by flooding related to the overflow of a river or spring flooding. <\/p>\n\n<h3 class=\"wp-block-heading\" style=\"font-size:22px;font-weight:600;color:#0d1f2d\">What is generally covered vs. excluded<\/h3>\n\n<div style=\"overflow-x:auto;margin:24px 0;\">\n<table style=\"width:100%;border-collapse:collapse;border-radius:12px;overflow:hidden;font-size:16px;\">\n  <thead>\n    <tr>\n      <th style=\"background:#0d1f2d;color:#ffffff;padding:14px 18px;text-align:left;font-weight:600;width:50%;\">Generally Covered<\/th>\n      <th style=\"background:#0d1f2d;color:#ffffff;padding:14px 18px;text-align:left;font-weight:600;width:50%;\">Generally excluded (without endorsement)<\/th>\n    <\/tr>\n  <\/thead>\n  <tbody>\n    <tr style=\"background:#ffffff;\">\n      <td style=\"padding:14px 18px;border-bottom:1px solid #e2e8f0;\">Sewer<\/td>\n backup<td style=\"padding:14px 18px;border-bottom:1px solid #e2e8f0;\">Overflowing watercourses<\/td>      \n    <\/tr>\n    <tr style=\"background:#f8fafc;\">\n      <td style=\"padding:14px 18px;border-bottom:1px solid #e2e8f0;\">Infiltration through the roof<\/td>\n      <td style=\"padding:14px 18px;border-bottom:1px solid #e2e8f0;\">Spring flood<\/td>\n    <\/tr>\n    <tr style=\"background:#ffffff;\">\n      <td style=\"padding:14px 18px;border-bottom:1px solid #e2e8f0;\">Pipe break inside<\/td>\n      <td style=\"padding:14px 18px;border-bottom:1px solid #e2e8f0;\">Submersion by rising water levels<\/td>\n    <\/tr>\n    <tr style=\"background:#f8fafc;\">\n      <td style=\"padding:14px 18px;border-bottom:1px solid #e2e8f0;\">Accidental<\/td>\n water damage<td style=\"padding:14px 18px;border-bottom:1px solid #e2e8f0;\">Excessive surface runoff<\/td>      \n    <\/tr>\n    <tr style=\"background:#ffffff;\">\n      <td style=\"padding:14px 18px;\">Ice on the roof (with endorsement)<\/td>\n      <td style=\"padding:14px 18px;\">Ice jams on rivers<\/td>\n    <\/tr>\n  <\/tbody>\n<\/table>\n<\/div>\n\n<h3 class=\"wp-block-heading\" style=\"font-size:22px;font-weight:600;color:#0d1f2d\">The surface water endorsement: your best protection<\/h3>\n\n<p style=\"font-size:17px;line-height:1.8;color:#334155\">To be protected against flooding, you must add a <strong>specific rider<\/strong> to your home insurance policy. This endorsement, often referred to as the &#8220;surface water endorsement&#8221; or the &#8220;flood endorsement,&#8221; covers <a href=\"https:\/\/www.assur360.ca\/en\/insurance-quick-quote\/water-damage-protection\/\">damage caused by water<\/a> from outside your home, including overflowing waterways and runoff. <\/p>\n\n<p style=\"font-size:17px;line-height:1.8;color:#334155\">The problem: according to the IBC, about <strong>325,000 Quebec households<\/strong> do not have access to affordable flood coverage, often because their property is located in an area of too high a risk. If you are in this situation, it is all the more important to consult an <a href=\"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/independent-insurance-broker\/\">independent insurance broker<\/a> who will be able to explore all the options available on the market. <\/p>\n\n<div style=\"background:linear-gradient(135deg, #0d1f2d 0%, #1a3a4a 100%);border-radius:16px;padding:40px 36px;margin:40px 0;text-align:center;\">\n  <p style=\"color:#ffffff;font-size:22px;font-weight:700;margin:0 0 10px 0;line-height:1.4;\">Does your current policy cover flooding?<\/p>\n  <p style=\"color:#94a3b8;font-size:16px;margin:0 0 24px 0;line-height:1.6;\">Our brokers analyse your coverage and offer you the best endorsements available.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-quote-5\/\" style=\"display:inline-block;background:#10c4c7;color:#ffffff;font-size:18px;font-weight:700;padding:16px 48px;border-radius:30px;text-decoration:none;\">Check My Coverage<\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\" style=\"font-size:28px;font-weight:700;color:#0d1f2d\"><span class=\"ez-toc-section\" id=\"What-to-do-if-you-are-newly-classified-as-a-flood-zone\"><\/span>What to do if you are newly classified as a flood zone<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p style=\"font-size:17px;line-height:1.8;color:#334155\">If the new maps put your property in a flood zone for the first time, don&#8217;t panic. Here are the <strong>8 concrete steps<\/strong> you can take to protect your investment: <\/p>\n\n<ol class=\"wp-block-list\" style=\"font-size:17px;line-height:2.2;color:#334155\">\n<li><strong>Check your exact classification<\/strong> \u2014 Go to <a href=\"https:\/\/geoinondation.gouv.qc.ca\" target=\"_blank\" rel=\"noopener\">Geo-Flooding<\/a> to find out exactly what your intensity level is. Each level has different implications. <\/li>\n<li><strong>Check your home insurance policy<\/strong> \u2014 Carefully review the exclusions in your current policy. Look for flooding, overflowing and surface water records. <\/li>\n<li><strong>Contact an insurance broker<\/strong> \u2014 An <a href=\"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/my-insurance-broker-2\/\">independent broker<\/a> can analyze your contract, identify coverage gaps, and shop with multiple insurers to get the most advantageous flood endorsement.<\/li>\n<li><strong>Inform your mortgage lender<\/strong> \u2014 Proactively contact your financial institution. Proof of flood insurance may be required at the next renewal. <\/li>\n<li><strong>Invest in prevention<\/strong> \u2014 Install a check valve, upgrade your sump pump, check your foundation for leaks. These investments can also reduce your insurance premiums. <\/li>\n<li><strong>Update your certificate of location<\/strong> \u2014 Have a new certificate prepared by a land surveyor to reflect the new maps. This document will be essential during a possible sale. <\/li>\n<li><strong>Document the current condition of your property<\/strong> \u2014 Photograph and film the interior and exterior of your home. Keep the invoices for your valuables. This evidence will be valuable in the event of a claim.  <\/li>\n<li><strong>Monitor government programs<\/strong> \u2014 Stay informed about relief programs, prevention grants, and the evolution of the national flood insurance program.<\/li>\n<\/ol>\n\n<h2 class=\"wp-block-heading\" style=\"font-size:28px;font-weight:700;color:#0d1f2d\"><span class=\"ez-toc-section\" id=\"Preventive-measures-to-reduce-your-risk\"><\/span>Preventive measures to reduce your risk<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p style=\"font-size:17px;line-height:1.8;color:#334155\">Even if your property is in a flood zone, concrete measures can <strong>significantly reduce your risk<\/strong> and potentially lower your insurance premiums. According to <a href=\"https:\/\/www.protegez-vous.ca\/nouvelles\/habitation\/cartes-des-zones-inondables-trois-questions-pour-votre-maison\" target=\"_blank\" rel=\"noopener\">Prot\u00e9gez-Vous<\/a>, these preventive investments are among the most profitable that a homeowner can make. <\/p>\n\n<div style=\"display:grid;grid-template-columns:repeat(auto-fit, minmax(280px, 1fr));gap:20px;margin:24px 0;\">\n  <div style=\"border-left:4px solid #10c4c7;border-radius:12px;padding:28px;background:#f8fafc;\">\n    <p style=\"font-size:20px;font-weight:700;color:#0d1f2d;margin:0 0 12px 0;\">Check valve<\/p>\n    <p style=\"font-size:16px;color:#334155;margin:0;line-height:1.6;\">Prevents sewage water from backing up into your basement. Cost: $200 to $600. Professional installation highly recommended.  <\/p>\n  <\/div>\n  <div style=\"border-left:4px solid #10c4c7;border-radius:12px;padding:28px;background:#f8fafc;\">\n    <p style=\"font-size:20px;font-weight:700;color:#0d1f2d;margin:0 0 12px 0;\">Sump pump with battery<\/p>\n    <p style=\"font-size:16px;color:#334155;margin:0;line-height:1.6;\">A battery-powered backup pump takes over in the event of a power outage \u2014 common during flooding. Cost: $300 to $800. <\/p>\n  <\/div>\n  <div style=\"border-left:4px solid #10c4c7;border-radius:12px;padding:28px;background:#f8fafc;\">\n    <p style=\"font-size:20px;font-weight:700;color:#0d1f2d;margin:0 0 12px 0;\">Foundation waterproofing<\/p>\n    <p style=\"font-size:16px;color:#334155;margin:0;line-height:1.6;\">Waterproofing membrane and French drain in good condition. Check for cracks in foundation walls every spring. <\/p>\n  <\/div>\n  <div style=\"border-left:4px solid #10c4c7;border-radius:12px;padding:28px;background:#f8fafc;\">\n    <p style=\"font-size:20px;font-weight:700;color:#0d1f2d;margin:0 0 12px 0;\">Landscaping<\/p>\n    <p style=\"font-size:16px;color:#334155;margin:0;line-height:1.6;\">Ensure a slope of land that directs water away from your foundation. Clean gutters and drains regularly. <\/p>\n  <\/div>\n  <div style=\"border-left:4px solid #10c4c7;border-radius:12px;padding:28px;background:#f8fafc;\">\n    <p style=\"font-size:20px;font-weight:700;color:#0d1f2d;margin:0 0 12px 0;\">Equipment enhancement<\/p>\n    <p style=\"font-size:16px;color:#334155;margin:0;line-height:1.6;\">Raise the electrical systems, water heater and furnace above the anticipated flood level.<\/p>\n  <\/div>\n  <div style=\"border-left:4px solid #10c4c7;border-radius:12px;padding:28px;background:#f8fafc;\">\n    <p style=\"font-size:20px;font-weight:700;color:#0d1f2d;margin:0 0 12px 0;\">Flood barriers<\/p>\n    <p style=\"font-size:16px;color:#334155;margin:0;line-height:1.6;\">Temporary solutions (cofferdams, sandbags, air barriers) can be deployed quickly during flood warnings.<\/p>\n  <\/div>\n<\/div>\n\n<p style=\"font-size:17px;line-height:1.8;color:#334155\">Some municipalities offer <strong>grants<\/strong> for the installation of preventive measures. Check with your city. Also, let your insurer know about any improvements you make \u2014 these measures may entitle you to a <a href=\"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/home-insurance-comparison-tool-2\/\">discount on your<\/a> home insurance premium.  <\/p>\n\n<h2 class=\"wp-block-heading\" style=\"font-size:28px;font-weight:700;color:#0d1f2d\"><span class=\"ez-toc-section\" id=\"The-National-Flood-Insurance-Program-Where-Do-We-Stand\"><\/span>The National Flood Insurance Program: Where Do We Stand?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p style=\"font-size:17px;line-height:1.8;color:#334155\">For several years, the federal government has been working on creating a <strong>national flood insurance program<\/strong> for homeowners who do not have access to affordable private coverage. This program, modeled after the U.S. National Flood Insurance Program, aims to bridge the gap that leaves hundreds of thousands of Canadians unprotected. <\/p>\n\n<p style=\"font-size:17px;line-height:1.8;color:#334155\">However, the Insurance Bureau of Canada sums up the current impasse: <em>&#8220;Conversations between the federal and provincial governments have not yet taken place in sufficient depth to result in a concrete program.&#8221;<\/em> In the meantime, homeowners must rely on the private insurance market to protect themselves.<\/p>\n\n<div style=\"border-left:4px solid #10c4c7;border-radius:12px;padding:28px;background:#f8fafc;margin:24px 0;\">\n  <p style=\"margin:0 0 12px 0;font-size:17px;line-height:1.7;color:#334155;\"><strong>What this means for you:<\/strong><\/p>\n  <ul style=\"margin:0;padding-left:20px;color:#334155;font-size:16px;line-height:2;\">\n    <li>Don&#8217;t rely on a short-term government program.<\/li>\n    <li>Financial assistance in the event of a disaster is capped and does not cover the full value of your property.<\/li>\n    <li>The <a href=\"https:\/\/lautorite.qc.ca\/\" target=\"_blank\" rel=\"noopener\">Autorit\u00e9 des March\u00e9s Financiers (AMF)<\/a> recommends that you regularly check the adequacy of your coverage.<\/li>\n    <li>An <a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-quote-5\/\">insurance broker<\/a> remains your best ally in navigating this complex market.<\/li>\n  <\/ul>\n<\/div>\n\n<p style=\"font-size:17px;line-height:1.8;color:#334155\">If you own a <a href=\"https:\/\/www.assur360.ca\/en\/condo-insurance-quick-quote\/\">condo<\/a> in a flood zone, you should know that the situation is even more complex. Your condo corporation&#8217;s coverage may not include flood protection, and your individual insurance may contain specific exclusions. Check both levels of coverage.  <\/p>\n\n<h2 class=\"wp-block-heading\" style=\"font-size:28px;font-weight:700;color:#0d1f2d\"><span class=\"ez-toc-section\" id=\"Sell-or-Stay-How-to-Make-the-Right-Decision\"><\/span>Sell or Stay: How to Make the Right Decision<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<p style=\"font-size:17px;line-height:1.8;color:#334155\">Faced with a reclassification as a flood zone, some owners plan to sell quickly before the value of their property drops further. Before making this decision, consider the following: <\/p>\n\n<ul class=\"wp-block-list\" style=\"font-size:17px;line-height:2;color:#334155\">\n<li><strong>Duty to disclose<\/strong> \u2014 In Quebec, the seller has a legal obligation to declare that their property is in a flood zone. Attempting to sell without disclosing this information could result in prosecution. <\/li>\n<li><strong>The market is adjusting<\/strong> \u2014 Informed buyers are already factoring flood risk into their offerings. Panic selling could cause you to lose more than the actual depreciation. <\/li>\n<li><strong>Invest in prevention<\/strong> \u2014 Well-documented mitigation work (valve, pump, waterproofing) reassures buyers and can maintain value.<\/li>\n<li><strong>Get the right coverage<\/strong> \u2014 A property that is properly insured against flooding is more attractive to buyers and lenders.<\/li>\n<\/ul>\n\n<p style=\"font-size:17px;line-height:1.8;color:#334155\">If you are thinking of <a href=\"https:\/\/www.assur360.ca\/en\/blog\/my-finances-2\/how-to-cancel-your-quebec-insurance-contract\/\">cancelling your insurance<\/a> to save on costs, be aware that it is usually a bad idea in a flood zone. Without coverage, you assume the entire financial risk alone. <\/p>\n\n<div style=\"background:linear-gradient(135deg, #0d1f2d 0%, #1a3a4a 100%);border-radius:16px;padding:40px 36px;margin:40px 0;text-align:center;\">\n  <p style=\"color:#ffffff;font-size:22px;font-weight:700;margin:0 0 10px 0;line-height:1.4;\">Protect your property from flooding<\/p>\n  <p style=\"color:#94a3b8;font-size:16px;margin:0 0 24px 0;line-height:1.6;\">Compare flood coverage from multiple insurers with an independent broker.<\/p>\n  <a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-quote-5\/\" style=\"display:inline-block;background:#10c4c7;color:#ffffff;font-size:18px;font-weight:700;padding:16px 48px;border-radius:30px;text-decoration:none;\">Compare my options<\/a>\n<\/div>\n\n<h2 class=\"wp-block-heading\" style=\"font-size:28px;font-weight:700;color:#0d1f2d\"><span class=\"ez-toc-section\" id=\"Frequently-Asked-Questions-FAQs\"><\/span>Frequently Asked Questions (FAQs)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\" style=\"border:1px solid #e2e8f0;border-radius:12px;padding:20px 24px;margin-bottom:12px;\"><summary style=\"font-weight:600;font-size:17px;color:#0d1f2d;cursor:pointer;\">How do I know if my house is in a flood zone?<\/summary>\n<p style=\"font-size:16px;line-height:1.7;color:#334155;margin-top:12px;\">Consult the Government of <a href=\"https:\/\/geoinondation.gouv.qc.ca\" target=\"_blank\" rel=\"noopener\">Quebec&#8217;s Geo-Flooding<\/a> platform by entering your address. You can also check your certificate of location, contact your municipality or RCM, or call on a land surveyor who is a member of the OAGQ. <\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\" style=\"border:1px solid #e2e8f0;border-radius:12px;padding:20px 24px;margin-bottom:12px;\"><summary style=\"font-weight:600;font-size:17px;color:#0d1f2d;cursor:pointer;\">Are the new flood maps already in effect?<\/summary>\n<p style=\"font-size:16px;line-height:1.7;color:#334155;margin-top:12px;\">Yes. The MELCCFP&#8217;s new regulatory framework has been in effect since March 1, 2026. Maps now use four intensity levels (Very High, High, Moderate, Low) instead of the old two-zone system (0-20 years and 0-100 years). <\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\" style=\"border:1px solid #e2e8f0;border-radius:12px;padding:20px 24px;margin-bottom:12px;\"><summary style=\"font-weight:600;font-size:17px;color:#0d1f2d;cursor:pointer;\">Does my home insurance cover flooding?<\/summary>\n<p style=\"font-size:16px;line-height:1.7;color:#334155;margin-top:12px;\">Basic home insurance coverage generally does not cover flooding caused by overflowing waterways or flooding waters. You must add a specific endorsement for surface water or flooding. An <a href=\"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/my-insurance-broker-2\/\">independent insurance broker<\/a> can analyze your contract and recommend the right coverage.  <\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\" style=\"border:1px solid #e2e8f0;border-radius:12px;padding:20px 24px;margin-bottom:12px;\"><summary style=\"font-weight:600;font-size:17px;color:#0d1f2d;cursor:pointer;\">Will my house lose value if it is classified as a flood zone?<\/summary>\n<p style=\"font-size:16px;line-height:1.7;color:#334155;margin-top:12px;\">According to the available studies, a property newly classified as a flood zone can suffer a depreciation of 1 to 4%. For properties already located in high-risk areas, depreciation can be as high as 11 to 22 percent. The impact depends on the level of risk, the availability of insurance and the perception of buyers.  <\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\" style=\"border:1px solid #e2e8f0;border-radius:12px;padding:20px 24px;margin-bottom:12px;\"><summary style=\"font-weight:600;font-size:17px;color:#0d1f2d;cursor:pointer;\">Can I still get a mortgage in a flood zone?<\/summary>\n<p style=\"font-size:16px;line-height:1.7;color:#334155;margin-top:12px;\">It depends on the lender and the level of risk. As of February 2024, Desjardins has stopped granting mortgages in very high-risk flood zones. Other financial institutions could follow. CMHC requires proof of flood insurance for properties in at-risk areas.   <\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\" style=\"border:1px solid #e2e8f0;border-radius:12px;padding:20px 24px;margin-bottom:12px;\"><summary style=\"font-weight:600;font-size:17px;color:#0d1f2d;cursor:pointer;\">What if my property is newly classified as a flood zone?<\/summary>\n<p style=\"font-size:16px;line-height:1.7;color:#334155;margin-top:12px;\">First check your exact classification on <a href=\"https:\/\/geoinondation.gouv.qc.ca\" target=\"_blank\" rel=\"noopener\">Geo-Floods<\/a>. Then contact an insurance broker to assess your current coverage. Inform your mortgage lender. Invest in preventive measures (check valve, sump pump, waterproofing). Document the condition of your property and keep all evidence.    <\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\" style=\"border:1px solid #e2e8f0;border-radius:12px;padding:20px 24px;margin-bottom:12px;\"><summary style=\"font-weight:600;font-size:17px;color:#0d1f2d;cursor:pointer;\">How much does a flood endorsement cost on my home insurance?<\/summary>\n<p style=\"font-size:16px;line-height:1.7;color:#334155;margin-top:12px;\">The cost varies greatly depending on your location, risk level, and insurer. A surface water endorsement can cost anywhere from $100 to more than $1,000 per year. In high-risk areas, some insurers simply refuse to cover flooding. An <a href=\"https:\/\/www.assur360.ca\/en\/home-insurance-quote-5\/\">independent broker<\/a> can shop around with multiple insurers to find the best deal.   <\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\" style=\"border:1px solid #e2e8f0;border-radius:12px;padding:20px 24px;margin-bottom:12px;\"><summary style=\"font-weight:600;font-size:17px;color:#0d1f2d;cursor:pointer;\">Will the government compensate property owners in flood zones?<\/summary>\n<p style=\"font-size:16px;line-height:1.7;color:#334155;margin-top:12px;\">The Quebec government&#8217;s financial assistance program in the event of a disaster offers limited compensation (maximum of approximately $300,000). The Insurance Bureau of Canada points out that discussions on a national flood insurance program between the federal and provincial governments have not yet been concluded. Government assistance is not a substitute for adequate insurance coverage.  <\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\" style=\"border:1px solid #e2e8f0;border-radius:12px;padding:20px 24px;margin-bottom:12px;\"><summary style=\"font-weight:600;font-size:17px;color:#0d1f2d;cursor:pointer;\">What are the restrictions on building in flood zones?<\/summary>\n<p style=\"font-size:16px;line-height:1.7;color:#334155;margin-top:12px;\">The new regulatory framework prohibits any new construction in very high intensity zones. In the High zone, strict restrictions apply (compulsory immunization, raising of the ground floor). In the Moderate and Low zones, construction is allowed under certain conditions. Major renovations can also be regulated according to classification.   <\/p>\n<\/details>\n\n<details class=\"wp-block-details is-layout-flow wp-block-details-is-layout-flow\" style=\"border:1px solid #e2e8f0;border-radius:12px;padding:20px 24px;margin-bottom:12px;\"><summary style=\"font-weight:600;font-size:17px;color:#0d1f2d;cursor:pointer;\">Can an insurance broker help me find flood coverage?<\/summary>\n<p style=\"font-size:16px;line-height:1.7;color:#334155;margin-top:12px;\">Absolutely. An <a href=\"https:\/\/www.assur360.ca\/en\/blog\/home-insurance-in-quebec-2\/independent-insurance-broker\/\">independent insurance broker<\/a> has access to several insurers and can shop around to find flood coverage that is right for your situation. He can also analyse the exclusions of your current contract, recommend the necessary amendments and negotiate advantageous conditions even in high-risk areas.  <\/p>\n<\/details>\n","protected":false},"excerpt":{"rendered":"<p>Quebec&#8217;s new flood zone maps, effective March 1, 2026, redefine the flood risk for hundreds of thousands of residential properties. The Ministry [&hellip;]<\/p>\n","protected":false},"author":49,"featured_media":42051,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_robots_primary_cat":"","_seopress_titles_title":"New Quebec Flood Zones: Impact on Your Home Maps | Assur360","_seopress_titles_desc":"Quebec is revising its flood zone maps in 2026: 30% more residences at risk. Check your address and coverage. 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