Glossary Section NFIP – National Flood Insurance Program Last updated July 8, 2020įor properties that are not in a Special Flood Hazard Area as defined above, we do still recommend that a property owner consider purchasing flood insurance. The areas of minimal flood hazard, which are the areas outside the SFHA and higher than the elevation of the 0.2-percent-annual-chance flood, are labeled Zone C or Zone X (unshaded). Moderate flood hazard areas, labeled Zone B or Zone X (shaded) are also shown on the FIRM, and are the areas between the limits of the base flood and the 0.2-percent-annual-chance (or 500-year) flood. SFHAs are labeled as Zone A, Zone AO, Zone AH, Zones A1-A30, Zone AE, Zone A99, Zone AR, Zone AR/AE, Zone AR/AO, Zone AR/A1-A30, Zone AR/A, Zone V, Zone VE, and Zones V1-V30. The 1-percent annual chance flood is also referred to as the base flood or 100-year flood. SFHA are defined as the area that will be inundated by the flood event having a 1-percent chance of being equaled or exceeded in any given year. Regardless, when reviewing the map, the breakdown of the various Florida flood zones is as follows as outlined on the FEMA website (data as last updated July 8 2020):įlood hazard areas identified on the Flood Insurance Rate Map are identified as a Special Flood Hazard Area (SFHA). Or you can search online for the Flood Insurance Rate Map for your area. It is best to talk to your real estate agent or independent insurance agent to determine which flood zone your property is in. The FEMA mapping categorizes different areas of the state as either low, moderate, or high risk. In short, every property in Florida is in a flood zone. These maps help communicate expected flood risk/exposure in Florida as well as other states. Aside from knowing which areas are most likely to flood in the state, a valuable takeaway from this mapping campaign is that FEMA believes that all properties in Florida are a flood risk – at least at some level of likelihood. The Federal Emergency Management Association (FEMA) which manages the National Flood Insurance Plan (NFIP) has developed Flood Insurance Rate Map(s) (FIRM). Even if you do not live in a “high-risk” area with tropical weather conditions and large bodies of water, your home could still be at risk. Home insurance companies exclude flood damage in their policies because the costs associated with flooding can be exorbitant and the impact so substantial. However, this figure did not come as a surprise to everyone. A recent study has found that 15 million US homes are at risk of flooding – 70% more than previously thought. Flooding is the number one natural disaster in the United States.
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