Remember!Įveryone lives in a flood zone - it's just a question of whether you live in a low, moderate, or high-risk area.įlood zones are NOT the same as evacuation zones, though they are often mistaken for each other. It’s important to know that just because an area is designated as X zone does not mean that the area will never flood. The X zone (also known as “low–risk flood zone”) is an area outside of the Special Flood Hazard Area. The phrase “1 percent annual chance flood” is more accurate. It has nothing to do with calendar years. That means a flood could happen this year and again the next year. The Special Flood Hazard Area is an area that has a 1 percent chance, or a 1 in 100 chance, of a flood happening in any given year. People sometimes hear the phrase “100-year” flood and think a flood happens only once in one hundred years. Zones A, AE, AH, AO, and VE are all considered to be Special Flood Hazard Areas. These zones are depicted on a community's Flood Insurance Rate Map (FIRM), and reflect the severity or type of flooding in the area. Flood Insurance Rate Maps (FIRMs), are used to determine flood insurance premium rates and some building code requirements. Special Flood Hazard Areas (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.įlood hazard areas identified on the Flood Insurance Rate Map are identified as a Special Flood Hazard Area (SFHA). The most common flood zones in Martin County are: A, AE, AH, AO, VE, X and X (shaded). Every structure is in a flood zone, but not all flood zones are Special Flood Hazard Areas. WTG Flood Zone Determination Reports utilize a combination of superior data and expert analysis to help lenders, investors and real estate professionals confirm or challenge official flood zone status, thereby challenging and potentially removing flood insurance requirements on properties secured with federally backed loans.Įach report has clear mapping detail that shows the pinpoint-accurate structure location as it exists on FEMA’s map, with a clear overlay of color-coded Flood Zones.Other Government & Constitutional Officesįlood zones are geographic areas that FEMA has defined according to varying levels of flood risk. Also known as “X (shaded)” or “500-year floodplain”. Zone X 0.2% (Old B): Areas of 0.2% annual chance of flood. Zone X (Old C): Areas determined to be outside the 0.2% annual chance floodplain. Zone VE (Old V1-V30): Coastal flood zone with velocity hazard (wave action) BFE determined. For areas of alluvial fan flooding, velocities also determined. Zone AO: Flood Depths of 1-3 feet (ares of sheet flow on sloping terrain). Zone AH: Flood Depths of 1-3 feet (areas of ponding), usually shallow flooding. Zone AE (Old A1-A30): Detailed study, BFE determined. Zone A: Approximate Zone, no Base Flood Elevation (BFE) determined. Often referred to as the “100-Year Flood”, which frequently causes confusion.īase Flood Elevation is the elevation, above sea level, at which Base Flood will inundate. All SFHA’s are flood zones, not all flood zones are SFHA's.īase Flood is the area where flood has a 1% chance of being equaled or exceeded in any given year. Sometimes the SFHA is casually referred to as the “Flood Zone”, but these terms shouldn’t be confused. This is where flood insurance may be required depending on structure location. Some important points and definitions to know:Ī Flood Zone is any zone delineated on a FEMA Flood Insurance Rate Map (FIRM)Ī Special Flood Hazard Area (SFHA) is a high risk flood zone, and is the land area covered by the base flood on a FIRM. The different zones illustrate whether you live in a high-risk, low-risk, or moderate-risk flood zone. Everyone lives in an area with some flood risk-it’s just a question of what level of risk is present. Everyone is in a Flood Zone, Not Everyone is in a Special Flood Hazard Area.Įvery property is mapped within a flood zone of some kind.
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