Over 20% of National Flood Insurance Program ( NFIP) claims are filed for properties in low or moderate risk areas. However, a low risk of flooding does not mean there is no risk of flooding. Areas with a low to moderate hazard are shown as Zone X. BFEs may differ dramatically within a small area, because waves can diminish in size over a short distance upon encountering obstructions or steep ground. Another example is Zone D that has an undetermined flood risk and may or may not meet the 100-year flood designation. For example, areas with minimal-to-moderate risk for flood, like Zone C and Zone X, are above the 500-year flood level, meaning their chance of seeing a base flood is 0.20 per year. Changes in flood zones and BFEs can have a significant impact on building requirements and flood insurance costs. Not every flood zone has a 100-year floodplain. Zones AE and AI-A30 are the flood insurance rate zones that correspond to the I-percent annual chance floodplains that are determined in the Flood Insurance Study by detailed methods of analysis. Homeowners and renters residing in high risk flood zones. On flood maps in coastal communities, Zone AO usually marks areas at risk of flooding from wave overtopping, where waves are expected to wash over the crest of a dune or bluff and flow down into the area beyond.īase Flood Elevations (BFEs) in these flood zones vary along the coast and with distance inland. Flood zones are geographic areas defined by FEMA according to varying levels of flood risk. Special flood hazard areas are designated by the Federal Emergency Management Agency in Flood Insurance Studies and on Flood Insurance Rate Maps as Zones A, AE. Mandatory flood insurance purchase requirements apply. Base flood elevations derived from detailed hydraulic analyses are shown within these zones. Zone AO is used to map areas at risk of shallow flooding during a base (1%-annual-chance) flood, where water with average depths of 1 to 3 feet flows over sloping ground. Zone 'VE': Special Flood Hazard Areas along coasts subject to inundation by the 100-year flood with additional hazards due to velocity (wave action). ![]() Zone AE indicates areas that have at least a 1%-annual-chance of being flooded, but where wave heights are less than 3 feet. These practices are intended to improve the chance of a home safely weathering a flood event. To address the added wave hazard, more stringent building practices are required in Zone VE, such as elevating a home on pilings so that waves can pass beneath it, or a prohibition to building on fill, which can be easily washed away by waves.
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