![]() If FEMA grants the map amendment or revision request, the property owner may no longer be required to pay flood insurance. This is a formal determination by FEMA of a property's location and/or elevation relative to the Special Flood Hazard Area. If you think the flood map boundaries are incorrect, you can apply for a Letter of Map Change. Base flood elevations derived from detailed analyses are shown at selected intervals within these zones These areas have a 26% chance of flooding over the life of a 30‐year mortgage. Zone VE - coastal areas with a 1% or greater chance of flooding and an additional hazard associated with storm waves.No base flood elevations are shown within these zones. Zone V - coastal areas with a 1% or greater chance of flooding and an additional hazard associated with storm waves.Zone AE - 100-year floodplain, the base floodplain where base flood elevations are provided.Because detailed analyses are not performed for such areas, no base flood elevations are shown. Zone A - 100-year floodplain, areas with a 1% annual chance of flooding and a 26% chance of flooding over the life of a 30‐year mortgage.High Risk Areas (Special Flood Hazard Area) Includes areas of moderate flood hazard, such as base floodplains and shallow flooding areas, and minimal flood hazard, which may still have ponding and local drainage problems. Zone X - Floodplain area with a 0.2% (or 1 in 500 chance) or less annual chance of flooding. ![]() To view the effective flood zone for a property or area, visit Hillsborough County’s Effective Flood Zone Viewer. Zone AO: SFHAs subject to inundation by 100-year shallow flooding (usually sheet flow on sloping terrain) where average depths are between one and three feet. Mandatory flood insurance purchase requirements apply. Talk to your insurance provider about your policy and consider if you need additional coverage. Base flood elevations derived from detailed hydraulic analyses are shown in this zone. Most homeowners insurances do not cover flood damage. Some projects may be required to elevate the structure above the flood base flood elevation and execute a FEMA Elevation Certificate. To get the expected flood height above ground, you would need to subtract your ground elevation from the base flood elevation.Flood maps, also known as Flood Insurance Rate Maps, provided by the Federal Emergency Management Agency (FEMA) are a useful tool for assessing a property’s flood risk, and also are a factor in flood insurance and building requirements. The Base Flood Elevations are denoted in the datum NAVD 88, which represents the number of feet above mean sea level in that datum. On a map, it may read: AE13, which means the structure is in the AE flood zone with a BFE of 13. While the flood zones identify the extent of flood risk, the Base Flood Elevation identifies the expect height that flood waters are expected to reach in a high risk area. These zones range from high- to moderate-risk areas: VE, AE, AO, A, and X. Within the floodplains shown on the Flood Insurance Rate Maps (FIRMs) for New York City, there are five zones. These maps identify areas that are at risk to flooding. Areas with a high flooding risk are identified as being in the 100-year floodplain, and areas with a moderate flooding risk are identified as the 500-year floodplain. It is important to understand how to interpret the flood maps to better understand your risk.
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