Also, you can view your flood map by visiting the FEMA Map Service Center website at or by calling (800) 358-9616. If you are buying a home, your Realtor and your insurance agent should be able to help you. You can also go to your town hall or city hall, where employees responsible for issuing building permits in your area have access to flood zone maps. You can determine your risk online by visiting.
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There are several ways to find out which zone applies to you. D zones are areas that have not been studied, but where flooding is possible.X zones are minimal-risk areas where flood insurance is not mandatory.Electrical, heating, ventilation, plumbing, air conditioning equipment and other service facilities must be elevated to or above the BFE.Enclosed areas below the lowest floor cannot be used for living space.The lowest floor elevation must be at or above the Base Flood Elevation (BFE).If your home is in an A zone (includes AE, A1-A30, AH, AO, AR) follow these important recommendations: The different A zones are named depending on the way in which they might be flooded. A-zone maps also include AE, AH, AO, AR and A99 designations, all having the same rates. Flood insurance is mandatory in all A zones because of the high potential of flooding. Electrical, heating ventilation, plumbing, air conditioning equipment and other service facilities must be elevated to or above the BFE.Ī zones - the next most volatile of the Special Flood Hazard Areas - are subject to rising waters and are usually near a lake, river, stream or other body of water.Enclosed areas below the lowest floor cannot be used for living space. The building must be elevated on piles, piers, posts or column foundation.Zone AE: Zone AE is the new classification for former Zones A1 to A30 and include flood elevations when you. The bottom of the lowest horizontal structural member of the lowest floor elevation must be at or above the Base Flood Elevation (BFE). All flood zones with a designation beginning with an A require flood insurance.If your home is in a "V" zone (this includes VE and V-1-V-30), adhere to the following recommendations: Flood insurance is mandatory in V zone areas. The hazards in these areas are increased because of wave velocity - hence the V designation. V zones generally include the first row of beachfront properties. V zones are the most hazardous of the Special Flood Hazard Areas. The most hazardous flood zones are V (usually first-row, beach-front properties) and A (usually, but not always, properties near water).Īccording to FEMA and the National Flood Insurance Program, any building located in an A or V zone is considered to be in a Special Flood Hazard Area, and is lower than the Base Flood Elevation. To indicate the risks in different parts of the country, FEMA has assigned a character from the alphabet to each zone.
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Each community is able to participate in the agency's National Flood Insurance Program (NFIP), with premium rates determined by the risks of flooding. The Federal Emergency Management Agency (FEMA) has placed more than 20,000 communities in the United States into a category of flood zones.