Chappaqua Couple Files Lawsuit Against Zillow
A couple in Chappaqua filed a lawsuit accusing Zillow and First Street Technology of harming their home sale by assigning their property an “extreme” flood-risk rating. They say the rating discouraged prospective buyers, led to offers being withdrawn, and forced them to sell at a loss. The couple contends the risk score was inconsistent with FEMA maps, on-site inspections, and the home’s history, and they are seeking damages.
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Allegation: Zillow listed their home as an “extreme flood risk (9/10)” even though the home is not in a FEMA flood zone and has no history of flooding.
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Impact: The couple says potential buyers backed out, forcing them to sell for $999,000 — about $100,000 loss. (Purchased in 2022 for $1.1m)
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Claims: They argue the risk data was false and misleading, calling Zillow’s display of it negligent and defamatory.
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Damages Sought: The couple is pursuing $500,000 in damages for the alleged financial loss and reputational harm to their property.
Ralph’s Take
Zillow assigns each property a climate risk score (1–10) for flood, fire, wind, heat, and air quality, with higher numbers indicating greater risk. In April, Zillow began including FEMA flood data alongside First Street’s ratings, adding a disclaimer noting potential discrepancies between sources. Still, confusion remains. At last weekend’s open house in New Rochelle, a buyer insisted our listing was in a flood zone. FEMA maps list it as Zone X — minimal flood risk or less than 0.2% of flooding — yet Zillow and First Street rate it 9/10 for flooding! Our seller purchased the home in 1990, and it has never flooded.
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