![]() Mandatory flood insurance purchase requirements and floodplain management standards apply. Areas subject to inundation by the 1-percent-annual chance-flood event determined by detailed methods. (In unincorporated Lee County, the county has estimated BFEs in these areas.) Because detailed hydraulic analyses have not been performed, no Base Flood Elevations (BFEs) or flood depths are shown. Areas subject to inundation by the 1-percent-annual-chance flood event generally determined using approximate methodologies. Special Flood Hazard Areas (SFHA) - The land area that could be covered by the floodwaters of the base flood is where the NFIP's floodplain management regulations must be enforced and where the mandatory purchase of flood insurance applies for federally backed mortgages. The map will zoom to the location and a dialog box will open with your property information. You can also open the Flood Report and the Property Report. When the map opens, click the magnifying glass in the upper right corner and enter your address. Here is an easy tool to quickly find your Flood Insurance information. Click Find My Flood Zone. Most mortgage lenders require flood insurance in these zones. Insurance rates are calculated using the Base Flood Elevation (BFE). This is also called the 100-year flood.įlood zones in the Special Flood Hazard Area begin with V or A. The SFHA is an area that could be inundated by a flood event, with a 1 percent chance of reaching or exceeding the Base Flood Elevations (BFE) in any given year. Base flood elevations derived from detailed analyses are shown at selected intervals within these zones.Flood zones determine the premium for flood insurance rates and set construction standards for parcels located in the Special Flood Hazard Area (SFHA), commonly called the FEMA floodplain. These areas have a 26% chance of flooding over the life of a 30 year mortgage. VE - Coastal areas with a 1% or greater chance of flooding and an additional hazard associated with storm waves. Average flood depths derived from detailed analyses are shown within these zones. Base flood elevations derived from detailed analyses are shown at selected intervals within these zones.ĪO - River or stream flood hazard areas, and areas with a 1% or greater chance of shallow flooding each year, usually in the form of sheet flow, 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. Because detailed analyses are not performed for such areas no depths or base flood elevations are shown within these zones.ĪE - The base floodplain where base flood elevations are provided.ĪH - 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. The SFHA designations which appear within Bay County are explained further below.Ī - Areas with a 1% annual chance of flooding and a 26% chance of flooding over the life of a 30 year mortgage. 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. Flood hazard areas identified on the Flood Insurance Rate Map are identified as a Special Flood Hazard Area (SFHA). ![]()
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