Do you have questions about your FIRM or Flood Risk to your home?

Work directly with a Certified Floodplain Manager (CFM) or Flood Map Specialist, with over 15 years experience in the force placement of flood insurance and lender compliance per the FEMA National Flood Insurance Program Rules.

Understanding Flood Zones:

1. Zone A
   • Description: This area is subject to inundation by the 1-percent annual chance flood (commonly referred to as the “100-year flood”). Flooding in Zone A is usually determined using approximate methodologies.
   • Implications: Properties in Zone A are typically required to have flood insurance, as they face a significant risk of flooding.
2. Zone X
   • Description: Zone X is classified as an area of minimal or moderate flood risk. This zone is typically outside the 1-percent annual chance floodplain.
   • Implications: While flood insurance is not mandatory for properties in Zone X, homeowners are still encouraged to consider coverage, as flooding can occur even in low-risk areas.

Other Common Zones:

• Zone V: Areas at risk of coastal flooding with additional hazards, like wave action.
• Zone AE: Similar to Zone A, but with base flood elevations provided.

Why This Matters: Understanding your property’s flood zone is crucial for assessing flood risk and making informed decisions about flood insurance and preparedness. The FIRM is a vital resource for homeowners, ensuring they are aware of their flood risk and can take appropriate action.