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Flood Zones & Flood Insurance Rate Maps

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Click on the flood zone map below to see individual maps for each area:

 

This map is a representation of the official FEMA Flood Information Rate Maps and is to be used for informational purposes only. Any official flood zone determination must be completed using the official paper FIRMs. To view these maps or for additional information call 288-5956.

 

 

Definitions of FEMA Flood Zone Designations

Moderate to Low Risk Areas

Flood insurance is available to all property owners and renters in these zones:

ZONE

DESCRIPTION

X 500

____

Area of moderate flood hazard, usually the area between the limits of the 100-year and 500-year floods. B Zones are also used to designate base floodplains of lesser hazards, such as areas protected by levees from 100-year flood, or shallow flooding areas with average depths of less than one foot or drainage areas less than 1 square mile.

X

____

Area of minimal flood hazard, usually depicted on FIRMs as above the 500-year flood level. Zone C may have ponding and local drainage problems that don't warrant a detailed study or designation as base floodplain. Zone X is the area determined to be outside the 500-year flood and protected by levee from 100-year flood.

 

High Risk Areas

Mandatory flood insurance purchase requirements apply to all of these zzones:

ZONE

DESCRIPTION

A

____

Areas with a 1% annual chance of flooding and a 26% chance of flooding over the life of a 30-year mortgage. Because detailed analyses are not performed for such areas; no depths or base flood elevations are shown within these zones.

AE

____

The base floodplain where base flood elevations are provided. AE Zones are now used on new format FIRMs instead of A1-A30 Zones.

AH

____

Areas with a 1% annual chance of shallow flooding, usually in the form of a pond, with an average depth ranging from 1 to 3 feet. These areas have a 26% chance of flooding over the life of a 30-year mortgage. Base flood elevations derived from detailed analyses are shown at selected intervals within these zones.

 

High Risk - Coastal Areas

Mandatory flood insurance purchase requirements apply to all of these zones:

ZONE

DESCRIPTION

VE

____

Coastal areas 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 derived from detailed analyses are shown at selected intervals within these zones.

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