![]() ![]() ![]() AE Zones are now used on new format Flood Insurance Rate Maps instead of A1-A30 Zones. Over 20% of National Flood Insurance Program ( NFIP) claims are filed for properties in low or moderate risk areas. Zone AE - The base floodplain where base flood elevations are provided. However, a low risk of flooding does not mean there is no risk of flooding. Areas with a low to moderate hazard are shown as Zone X. BFEs may differ dramatically within a small area, because waves can diminish in size over a short distance upon encountering obstructions or steep ground. Changes in flood zones and BFEs can have a significant impact on building requirements and flood insurance costs. ![]() On flood maps in coastal communities, Zone AO usually marks areas at risk of flooding from wave overtopping, where waves are expected to wash over the crest of a dune or bluff and flow down into the area beyond.īase Flood Elevations (BFEs) in these flood zones vary along the coast and with distance inland. Zone AO is used to map areas at risk of shallow flooding during a base (1%-annual-chance) flood, where water with average depths of 1 to 3 feet flows over sloping ground. If you believe your property was incorrectly identified as a Special Flood Hazard Area (SFHA) by the National Flood Insurance Program (NFIP), you may submit an application to FEMA for a formal determination of the propertys location and/or elevation relative to the SFHA. Zone AE indicates areas that have at least a 1%-annual-chance of being flooded, but where wave heights are less than 3 feet. These practices are intended to improve the chance of a home safely weathering a flood event. To address the added wave hazard, more stringent building practices are required in Zone VE, such as elevating a home on pilings so that waves can pass beneath it, or a prohibition to building on fill, which can be easily washed away by waves. ![]()
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