It’s like having an umbrella that covers not just you, but your entire financial future from rain checks. But here’s the cool part for you AE-ers: if you’ve got a mortgage, you’re required to have flood insurance. They’re like the underdogs of flood zones, often getting soggy feet when the skies decide to unload. Now, let’s talk about those “low risk” zones, the X Marks the Not-So-Spot areas. These big guns work hard to divert water away from your hood during epic downpours. Think of it as an army of levees, flood walls, and barrier islands flexing their muscles to keep you dry. This means Uncle Sam’s got your back with flood mitigation efforts. What is flood zone AE exactly? It’s tagged as a higher-risk area for floods.įirst off, your area is on the map – like, literally. In fact, there are some pretty nifty perks to living here. But hey, don’t get your flippers in a twist just yet! Being in Zone AE isn’t a guarantee of an indoor pool party courtesy of Mother Nature. Welcome to Flood Zone AE, the splashy neighborhood on FEMA’s floodplain maps! If your property is chillin’ in this zone, it’s tagged as a higher-risk area for floods. Base flood elevations derived from detailed analyses are shown at selected intervals within these zones.Splash into the World of Flood Zone AE – Where Being Prepared is Cooler Than Being Soaked! 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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