These maps are continually being updated due to changes over time. But just because your parcel is not within a high risk zone does not mean that your parcel will not flood.įlood Insurance Rate Maps (FIRMs) will generally show a community’s base elevations and flood zones. Areas of moderate to low risk – referred to as Zone X – comprise the majority of the County, and are identified as areas between the limits of the 100-year and 500-year floods. These zones are also known as high risk zones. The same can be said for Zones V and VE along the Atlantic Ocean coastline. For example, a parcel in Zones A and AE will have a 1 percent annual chance of flooding, or a 26 percent chance of flooding over the life of a 30-year mortgage. An area designated as a Special Flood Hazard Area will have a greater frequency – and a greater annual probability – that a flood will occur. Areas of special concern are those identified as Special Flood Hazard Areas (SFHAs) on FEMA’s Flood Insurance Rate Maps (FIRMs). Zones are categorized by their risk for flooding and represented by letters on a map. The Federal Emergency Management Agency (FEMA) maps flood zones for the National Flood Insurance Program (NFIP). Residents are encouraged to learn if they live in a flood zone, evacuation zone, or both. A structure not in an evacuation zone may still be at risk for flooding. Flood zones and evacuation zones are different.
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