Flood zones by city in Quebec: the local guides and the six method pages, together

Flood zone · Hub · 15 September 2026

The entry point: six method pages, six cities, and the official map.

All our pages on flood zones in Quebec, together: the general guide to the regulatory framework of 1 March 2026, reading the map and the four intensity classes, insurance (endorsement since 2017, refusal possible), the mortgage (Desjardins out of high-current zones since February 2024), selling and the seller's declaration, work and immunisation (maximum assistance $385,000), then six local guides: Gatineau, Laval, Pierrefonds-Roxboro, Deux-Montagnes and Sainte-Marthe-sur-le-Lac, Vaudreuil-Dorion and Rigaud, Saint-Jean-sur-Richelieu. Sources read on 15 September 2026.

The method

• Flood zones in Quebec in 2026: buying or selling under the new framework
• Reading the flood zone map: portal, four classes, mobility zones
• Home insurance in a flood zone: basic policy, endorsement, refusal
• Mortgage in a flood zone: who still lends
• Selling a house in a flood zone: obligations and file
• Seller's declaration and flooding
• Renovating, extending or rebuilding in a flood zone

The cities

• Flood zone in Gatineau
• Flood zone in Laval
• Flood zone in Pierrefonds-Roxboro
• Flood zone in Deux-Montagnes and Sainte-Marthe-sur-le-Lac
• Flood zone in Vaudreuil-Dorion and Rigaud
• Flood zone in Saint-Jean-sur-Richelieu
• Flood zone in Terrebonne and Mascouche
• Flood zone in Châteauguay
• Flood zone in Sorel-Tracy
• Flood zone in Saint-Jérôme

The official map

The Government of Quebec's portal, zonesinondables.mrnf.gouv.qc.ca, publishes new-generation maps progressively; in their absence, the map in force is the municipality's or the MRC's. The certificate of location (in French) and our certificate of location guides by city complete the check.

Frequently asked questions

My city is not in the list?

The general guide and the map page apply everywhere in Quebec; we add cities as the new maps are published. A broker from the team checks any address.

Where do I start?

With the map for the address, then insurance, then financing: that is the order in which a house near the water qualifies or not.

Our proof, not our promises

The Loaa & Manseur team, led by Lotfi Manseur and Loaa Al Daow, is the number 1 team at RE/MAX Platine in 2024 and 2025, 6th RE/MAX team in Quebec, 15th in Canada and in the global top 50 of large residential teams according to the official RE/MAX ranking, computed on actual transactions. Its Google profile counts more than 220 reviews with a 4.9 rating. Its offices are at 55 avenue de l'Équinoxe in Brossard, one bridge from the island, and every broker's licence can be checked in the OACIQ public register. Three things to verify yourself before calling us, and to demand of any other broker.

Also available in French: version française de ce guide.

Related guides: Certificate of location by city: the 89 local guides, from Montreal to Rimouski, Real estate broker in Gatineau: the $508,000 house in 23 days, five sectors, supply up 30% and the 2026 figures, Real estate broker in Laval: 2026 prices, delays and full service in English, Real estate broker in Vaudreuil-Dorion: 2026 prices, delays and full service in English, Déclarations du vendeur in English: Declarations by the seller.

Published September 7, 2026 by the Loaa & Manseur team, the number 1 team at RE/MAX Platine in 2024 and 2025, 6th RE/MAX team in Quebec, 15th in Canada and in the global top 50 according to the official RE/MAX ranking. Tell us about your project.