DEFINITIONS OF FEMA FLOOD ZONE DESIGNATIONS

Flood zones are geographic areas that FEMA has defined according to varying levels of flood risk. These zones are depicted on a community’s Flood Insurance Rate Map (FIRM). Each zone reflects the severity or type of flooding in the area. For more information on the FEMA flood insurance program, visit the FEMA website at www.fema.gov.

 

MODERATE TO LOW RISK AREAS

       ZONE DESCRIPTIONS

  • X_500 - Area's of moderate flood hazard or 0.2% annual chance of flooding, usually the area between the limits of the 100year and 500 year flood plains.

  • X - Area's of minimal flood hazard, determined to be outside the 500 year flood plain.

HIGH RISK AREAS

      ZONE DESCRIPTIONS

  • A - Areas with a 1% annual chance of flooding and a 26% chance of flooding over the life of a 30 year mortgage. Base flood elevations(BFE) are not available forth these zones.

 

  • AE - Area's with a 1% annual chance of flooding and a 26% chance of flooding over the life of a 30 year mortgage. Base flood elevations (BFE) and flood hazard factors are determined.

 

  • AH - Area's with a 1% annual chance of flooding, usually in the form of a pond, with an average depth ranging from 1 to 3 ft. Base flood elevations (BFE) and flood hazard factors are determined.

 

  • VE - Coastal area's with a 1% or greater chance of flooding and an additional hazard associated with storm waves. These areas have a 26% chance of flooding over the life of a 30 year mortgage. Base flood elevations (BFE) derived from detailed analyses are shown at selected intervals within these zones.

  • A99 - Area's with a 1% annual chance of flooding that will be protected by a Federal flood control system where construction has reached specified legal requirements.

      FEMA Disclamer

      SAGIS maps and data are for general information only. Flood determination letters can be obtained from your local       flood plain administrator.