Flood map confusion: October surprise for thousands in county? View Caption. Hide Caption.

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Aerial of flooding caused by Tropical Storm Isaac near Lake Worth Road and South Shore Blvd. Does that mean simply a piece of the yard is in or touches a flood zone, or that a lender could now require flood insurance for the entire house? Check out the Palm Beach Post’s guide.

Check with your bank or mortgage holder and insurance agent before jumping to conclusions, county officials advised. Flood insurance must be purchased separately. Most policies come from the federal government’s National Flood Insurance Program, though private agents can arrange purchase and some private insurance companies now offer flood policies of their own. Banks can make consumers pay for costly “force placed” flood insurance if they don’t buy it on their own. Homes can be placed at risk of foreclosure if owners can’t keep up.