![]() If so many insured properties have flood issues, think of all the homes in flood zone X that never bought insurance but still sustained costly flood damage.įlooding is the most common and costly natural disaster. And with climate change altering weather patterns, intense rain events and flash flooding will happen more frequently and in unexpected places.Ībout 20 percent of flood insurance claims come from properties at low to moderate flood risk. Heavy rainfall can happen anywhere and quickly cause tens of thousands of dollars in damage. That might sound like a relief! But first, let’s get a couple of things out of the way:Įveryone is at risk of flooding. No BFEs or base flood depths are shown within these zones.At the most basic level, flood zone code X indicates a low or moderate risk of flooding. X (Unshaded) - Minimal risk areas outside the 1% and 0.2%-annual-chance floodplains. No BFEs or base flood depths are shown within these zones. X (Shaded) (X500) - Moderate risk areas within the 0.2%-annual-chance floodplain. Nearly 25% of all flood claims filed are for structures located within these zones. Flood insurance is available, but is not required by regulation in these zones. The failure of a local drainage system can create areas of high flood risk within these zones. ![]() Local stormwater drainage systems are not normally considered in a community's flood insurance study. However, buildings in these zones could be flooded by severe, concentrated rainfall coupled with inadequate local drainage systems. Non-Special Flood Hazard Area (NSFHA) - Moderate and Minimal Risk AreasĪreas of moderate or minimal hazard are studied based upon the principal source of flood in the area. FEMA began showing the LiMWA on Flood Insurance Rate Maps to communicate the higher risk that exists in the area because the 1.5 foot breaking wave in the LiMWA zone can potentially cause foundation failure. The LiMWA is the location where the 1% annual chance wave height equals 1.5 feet. Some areas also have a Limit of Moderate Wave Action (LiMWA) shown on the FIRM. Federal floodplain management regulations and mandatory purchase requirements apply in these zones. BFEs derived from detailed hydraulic coastal analyses are shown by the number next to the zone. VE - Areas along coasts subject to inundation by the 1-percent-annual-chance flood event with additional hazards due to storm-induced velocity wave action. Structures located within the CHHA have a 26-percent chance of flooding during the life of a standard 30-year mortgage. Coastal High Hazard Areas (CHHA) - High RiskĬoastal High Hazard Areas (CHHA) represent the area subject to inundation by 1% annual chance flood, extending from offshore to the inland limit of a primary frontal dune along an open coast and any other area subject to high velocity wave action from storms or seismic sources. Federal floodplain management regulations and mandatory flood insurance purchase requirements apply in these zones. Base Flood Elevations (BFEs) are shown by the number next to the zone. Federal floodplain management regulations and mandatory flood insurance purchase requirements apply in these zones.ĪE - Areas subject to inundation by the 1% annual chance flood event determined by detailed methods. ![]() Structures located within the SFHA have a 26% chance of flooding during the life of a standard 30-year mortgage. Special Flood Hazard Areas represent the area subject to inundation by 1% annual chance flood. Special Flood Hazard Areas (SFHA) - High Risk ![]()
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