Moderate to Low-Risk Areas
Flood Insurance is not mandatory but recommended. In these areas, the risk of being flooded is reduced, but not completely removed. One in three insurance claims come from moderate- to low-risk flood areas.
Shaded Zone X- Area of moderate flood hazard, usually the area between the limits of the 100‐year and 500‐year floods.
Zone X (Unshaded)-Area of minimal flood hazard Zone X is the area determined to be outside the 500‐year flood.
High-Risk Areas
High-risk flood areas begin with the letters A or V on FEMA flood maps. These areas face the highest risk of flooding. If you own a property in a high-risk zone and have a federally-backed mortgage, you are required to purchase flood insurance as a condition of that loan.
Zone A- Areas with a 1% annual chance of flooding and a 26% chance of flooding over the life of a 30‐year mortgage. Because detailed analyses are not performed for such areas; no depths or base flood elevations are shown within these zones.
Zone AE- The base floodplain where base flood elevations are provided. AE Zones are now used on new format FIRMs instead of A1‐A30 Zones.
Zone AH-Areas with a 1% annual chance of shallow flooding, usually in the form of a pond, with an average depth ranging from 1 to 3 feet. These areas have a 26% chance of flooding over the life of a 30‐year mortgage. Base flood elevations derived from detailed analyses are shown at selected intervals within these zones.
Zone AO- River or stream flood hazard areas, and areas with a 1% or greater chance of shallow flooding each year, usually in the form of sheet flow, with an average depth ranging from 1 to 3 feet. These areas have a 26% chance of flooding over the life of a 30‐year mortgage. Average flood depths derived from detailed analyses are shown within these zones.
Zone AR- Areas with a temporarily increased flood risk due to the building or restoration of a flood control system (such as a levee or a dam). Mandatory flood insurance purchase requirements will apply, but rates will not exceed the rates for unnumbered A zones if the structure is built or restored in compliance with Zone AR floodplain management regulations.
Zone A99- Areas with a 1% annual chance of flooding will be protected by a Federal flood control system where construction has reached specified legal requirements. No depths or base flood elevations are shown within these zones.
Undetermined Risk Areas
Flood Insurance is not mandatory but recommended.
Zone D- Areas with possible but undetermined flood hazards. No flood hazard analysis has been conducted. Flood insurance rates are commensurate with the uncertainty of the flood risk.
Important *Despite the flood zones, flood insurance is regulated via federally backed loans. A lender can require flood insurance even if you are not in a floodplain (ie: close to one or even part of the property is in one but not the home), that is at the lender's discretion The purchaser has the option to shop for loans.