Flood zones are geographic areas that FEMA defines according to flood risk levels. Remine's Flood Zone filter relies on FEMA flood maps to categorize properties into various risk zones.
Don't see flood zone data in your area? Some areas are currently unmapped by FEMA. Click here to see the latest FEMA map data.
- National Flood Insurance Program (NFIP): The NFIP aims to reduce the impact of flooding on private and public structures by providing affordable insurance to property owners, renters, and businesses. NFIP also encourages communities to adopt and enforce floodplain management regulations.
- Flood Insurance Rate Map (FIRM): The official map of a community on which FEMA has delineated both the special hazard areas and the risk premium zones applicable to the community.
- Base Flood Elevation (BFE): The computed elevation to which floodwater is anticipated to rise during the base (1% annual chance) flood event.
FEMA Flood Zone Designations
The following zones are depicted on community FIRMs or Flood Hazard Boundary Maps. Each zone reflects the severity or type of flooding in the area.
Undetermined Risk Areas
|D||Areas with possible but undetermined flood hazards. No flood hazard analysis has been conducted. Flood insurance rates are commensurate with the uncertainty of the flood risk.|
Moderate to Low Risk Areas
In communities that participate in the NFIP, flood insurance is available to all property owners and renters in these zones.
|B and X (shaded)||Area of moderate flood hazard, usually the area between the limits of the 100-year and 500-year floods. B zones are also used to designate base floodplains of lesser hazards, such as areas protected by levees from 100-year flood, or shallow flooding areas with average depths of less than 1 foot or drainage areas less than 1 square mile.|
|C and X (unshaded)||Area of minimal flood hazard, usually depicted on Flood Insurance Rate Maps (FIRM) as above the 500-year flood level. Zone C may have ponding and local drainage problems that don't warrant a detailed study or designation as base floodplain. Zone X is the area determined to be outside the 500-year flood and protected by levee from 100-year flood.|
High Risk Areas
In communities that participate in the NFIP, properties that fall within High Risk zones are subject to mandatory flood insurance purchase requirements.
|A||Areas with a 1% annual chance of flooding and 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.|
|AE||The base floodplain where base flood elevations are provided. AE zones are now used on new format FIRMs instead of A1-A30 zones.|
|A1-A30||These are known as numbered A zones (e.g., A7 or A14). This is the base floodplain where the FIRM shows a BFE (old format).|
|AH||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. These areas have a 26% chance of flooding over the life of a 30-year mortgage. Base flood elevations derived from detailed analyses are shown at selected intervals within these zones.|
|AO||River or stream flood hazard areas, and ares 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. Average flood depths derived from detailed analyses are shown within these zones.|
|AR||Areas with a temporarily increased flood risk due to the building or restoration of a flood control system (such as a levee or dam). Mandatory flood insurance program requirements will apply, but rates will not exceed the rates for unnumbered A zones if the structure is built or restored in compliance with zone AR floodplain management regulations.|
|A99||Areas with a 1% annual chance of flooding that will be protected by a Federal flood control system where construction has reached specific legal requirements. No depths or base flood elevations are shown within these zones.|
|High Risk - Coastal Areas|
|V||Coastal areas with a 1% or greater chance of flooding an an additional hazard associated with storm waves. These areas have a 26% chance of flooding over the life of a 30-year mortgage. No base flood elevations are shown within these zones.|
|VE, V1-V30||Coastal areas with a 1% or greater chance of flooding and an additional hazard associated with storm waves. These areas have a 26% chance of flooding over the life of a 30-year mortgage. Base flood elevations derived from detailed analyses are shown at selected intervals within these zones.|