Is this house in a flood zone?

See if a Canadian address sits near flood hazard areas using NRCan-linked data. Free flood risk view inside your Property Health Score on SIBT. SIBT folds this into a full Property Health Score built from 29 government and public sources — first report free, no credit card.

Why Flood Risk matters before you offer

Flood Risk is one of the diligence checks Canadian buyers run on SIBT before they offer. Pair it with schools, air quality, commute, and climate signals in a single Property Health Score rather than bouncing between municipal PDFs and listing portals.

SIBT is designed for address-level questions — not city averages alone. That matters for flood plains that cut through a block, school catchments that change mid-street, or investment upside that depends on transit and zoning context nearby.

Start from the homepage search, read methodology on about, skim the FAQ, and continue learning on the blog. City examples include Toronto, Vancouver, and Calgary. Realtors can share PDF outputs via the realtor workflow; teams should see enterprise.

Pricing for additional reports after the free first score is listed on pricing. Questions go to contact or hello@sibt.ca. SIBT remains informational and does not replace insurance underwriting, legal advice, or a physical home inspection.

Municipal Floodplain Data

Direct integration with local conservation authorities to show if a home sits in a 100-year regulatory flood zone.

Overland Pluvial Risk

Surface water flooding risk analysis based on elevation grading and local storm sewer capacity.

Climate Change Projections

See how the property's risk profile changes over the next 15-30 years due to shifting weather patterns.

29 data sources behind every Property Health Score

SIBT aggregates government and public datasets — not anonymous estimates alone. The current source stack includes:

  1. Google Maps
  2. Google Air Quality
  3. Google Solar
  4. Google Routes
  5. Google Elevation
  6. Statistics Canada
  7. Natural Resources Canada
  8. OpenStreetMap
  9. NASA
  10. Canadian Forest Service
  11. Environment Canada
  12. USGS
  13. Open Charge Map
  14. Sunrise-Sunset.org
  15. Wikipedia
  16. Open-Meteo
  17. OSM Neighbourhood
  18. Toronto Open Data
  19. Vancouver Open Data
  20. Edmonton Open Data
  21. Calgary Open Data
  22. Quebec Open Data
  23. Walk Score
  24. CMHC Housing Observatory
  25. Health Canada (Radon)
  26. NRCan Landslide Database
  27. Teleport Quality of Life
  28. StatCan Crime Severity Index
  29. StatCan Demographics

Frequently asked questions

How do I check if my house is in a flood zone in Canada?

You can check your Canadian property's flood risk instantly using SIBT's Flood Risk analyzer. Simply enter your address to receive a comprehensive report cross-referencing municipal floodplains and conservation authority data.

Does home insurance cover overland flooding?

Standard home insurance policies in Canada typically do not cover overland flooding by default. You usually need to purchase specific overland water protection endorsements, which may be expensive or unavailable if you are in a designated high-risk flood zone.

What is a 100-year flood zone?

A 100-year flood zone is an area that has a 1% chance of flooding in any given year. Over the course of a standard 30-year mortgage, a home in a 100-year flood zone has a roughly 26% chance of experiencing a flood.