Definitions of FEMA flood zones are available at FEMA.gov.
The land area that could be covered by the flooding is called a Flood Zone.More than 20,000 communities in the United States have been placed into a category of flood zones by the Federal Emergency Management Agency.
There is a 1 in 4 chance of flooding during a 30-year mortgage in high-risk areas.All home and business owners in these areas are required to have flood insurance.The zones are labeled with the letters A or V on the flood maps.
The risk of being flooded is reduced in moderate-to-low risk areas.These areas get one-third of disaster assistance for flooding.It is recommended for all property owners and renters to have flood insurance.The zones are labeled with the letters B, C or X on the flood maps.
There has been no flood-hazard analysis conducted in these areas.Flood insurance rates are affected by the uncertainty of the flood risk.The areas are labeled with the letter D.
The hover fluid is high-risk.The areas are subject to flooding by the annual flood event.BFE is shown.Flood insurance is required.The zone A is high-risk.The areas are subject to flooding by the annual flood event.There is no base flood elevation shown.Flood insurance is required.Outside of the moderate-risk and high- risk flood zone, there are minimal risk areas.It is possible to have flood insurance.Moderate-risk areas are within the 0.2-percent annual-chance floodplain.It is possible to have flood insurance.Left1 is the FEMAFIRM Panel ID.The Effective Date of the map is shown.Map quality, effective date, and detail may vary by community.
To show the risks in different parts of the country, FEMA has assigned a character from the alphabet to each zone.
Areas subject to flooding by the 1-percent-annual-chance flood event are generally determined using approximate methodologies.Base Flood Elevations and flood depths are not shown because detailed analyses have not been done.There are mandatory flood insurance purchase requirements.
Areas subject to flooding are determined by detailed methods.The base flood elevation is shown.There are mandatory flood insurance purchase requirements.
Areas where average depths are between one and three feet are subject to shallow flooding.The base flood elevation is shown in this zone.There are mandatory flood insurance purchase requirements.
Areas where average depths are between one and three feet are subject to shallow flooding.The average flood depths are shown in this zone.There are mandatory flood insurance purchase requirements.
Areas that result from the decertification of a previously accredited flood protection system that is determined to be in the process of being restored to provide base flooding protection.There are mandatory flood insurance purchase requirements.
The areas will be protected upon completion of an under-construction Federal flood protection system.The areas of special flood hazard where progress has been made on the construction of a protection system are considered complete for insurance purposes.When the flood protection system has reached specified statutory progress, Zone A99 can only be used.There is no base flood elevation or depths shown.There are mandatory flood insurance purchase requirements.
Areas along the coast are subject to flooding by the 1-percent-annual-chance flood event.Base Flood Elevations and flood depths are not shown because detailed analyses have not been done.There are mandatory flood insurance purchase requirements.
The areas are subject to flooding by the 1-percent-annual-chance flood event.The base flood elevations are shown.There are mandatory flood insurance purchase requirements.
Zone B or Zone X are not considered to be part of the Special Flood Hazard Area.The areas of minimal flood hazard, which are the areas outside the SFHA and higher than the elevation of the 0.2-percent-annual-chance flood, are labeled Zone C or Zone X.
An area of moderate flood hazard that is determined to be outside the Special Flood Hazard Area between the limits of the base flood and the 0.2-percent-annual-chance (or 500-year) flood.