Flood Zone Definitions

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FAQ's

Flood zone designations will generally be shown on the survey or plat for the property being purchased.  Your lender can advise you on their requirements for flood insurance.  Just a note of interest: The 100-year flood area is not where a flood will occur every 100 years, but that there is a potential for a flooding incident within any 100 year period.  Mother Nature never lets us see her calendar.

Flood Insurance Available, But not Mandatory

None
An area that is not studied and not mapped by FEMA and the flood zone for the area is not specified by FEMA

Zone B, C, X, and X500
Zone B, C, and X are the flood insurance rate zones that correspond to areas outside the 100-year sheet flow flooding where average depths are less than one foot, areas of 100-year stream flooding where the contributing drainage area is less than one square mile, or areas protected from the 100-year flood by levees.

Zone D
The Zone D designation on NFIP maps is used for areas where there are possible but undetermined flood hazard. No analysis of flood hazards has been conducted.


Mandatory Flood Insurance

Zone A
Flood insurance rate zone that corresponds to the 100-year floodplains that are determined in the Flood Insurance Study (FIS) by approximate methods.

Zones AE and A1-A30
Flood insurance rate zone that correspond to the 100-year floodplains that are determined in the FIS by detail methods.

Zones AH
Flood insurance rate zone that corresponds to the areas of 100-year shallow flooding with a constant water-surface elevation (usually areas of ponding) where average depths are between one and three feet.

Zones AO
Flood insurance rate zone that corresponds to the areas of 100-year shallow flooding (usually sheet flow on sloping terrain) where average depths are between one and three feet.

Zones AR
Flood insurance rate zone used to depict areas protected from flood hazards by flood control structures, such as a levee, that are being restored.

Zones A99
Flood insurance rate zone that corresponds to the areas of 100-year floodplains that will be protected by a Federal flood protection system where construction has reached specified statutory milestones.

Zones V
Flood insurance rate zone that corresponds to the 100-year coastal floodplains that have additional hazards associated with storm waves.

Zones VE
Flood insurance rate zone that corresponds to the 100-year coastal floodplains that have additional hazards associated with storm waves.

 

     

     

 

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JoAnn & Dennis Olson, Realtors
William E. Wood & Assoc.
Smithfield, VA 23430
Licensed in the Commonwealth of Virginia
(See Contact page for additional information)


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Copyright 1999-2013 by Dennis Olson
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Last modified: November 19, 2013