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 (unshaded). Moderate flood hazard areas, labeled Zone B or Zone X (shaded) are also shown on the FIRM, and are the areas between the limits of the base flood and the 0.2-percent-annual-chance (or 500-year) flood. SFHAs are labeled as Zone A, Zone AO, Zone AH, Zones A1-A30, Zone AE, Zone A99, Zone AR, Zone AR/AE, Zone AR/AO, Zone AR/A1-A30, Zone AR/A, Zone V, Zone VE, and Zones V1-V30. The 1-percent annual chance flood is also referred to as the base flood or 100-year flood. SFHA are defined as the area that will be inundated by the flood event having a 1-percent chance of being equaled or exceeded in any given year. However, most insurance experts recommend purchasing some level of flood protection even if you live outside of a high-risk area.Flood hazard areas identified on the Flood Insurance Rate Map are identified as a Special Flood Hazard Area (SFHA). ![]() Many states require homeowners living in high-risk flood zones to purchase insurance through the National Flood Insurance Program (NFIP), while property owners in moderate- to low-risk regions can opt out. Zone V: Coastal areas that have a 1% or higher chance of flooding, along with an increased risk of storm surge.Zone AR: Any region that has a temporarily increased flood risk due to the construction or renovation of flood control systems, such as levees or dams.Zone AO: River or stream flood hazard areas with a 1% or greater chance of flooding each year, often due to sheet flow.Zone AH: Areas with a 1% annual chance of shallow flooding, usually due to ponds or other bodies of water with an average depth of 1 to 3 feet.Zone AE: Regions with a 1% annual chance of flooding and a 26% chance over the life of a 30-year mortgage.Zone C or X (unshaded): Areas with minimal flood risks, such as those that have ponding and/or local drainage problems.Zone B or X (shaded): Refers to regions with moderate flood hazards and base floodplains that may pose a risk to buildings and public property.Here’s a quick breakdown of the key flood zones you should look out for: Moderate- to low-risk areas ![]() Each zone has its own level of flood risk and different regulations concerning flood insurance.
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