![]() Policies can be purchased for contents only, building only, or both contents and building. ![]() Rates are calculated based on a variety of factors, including elevation and building construction. Flood insurance, however, is available in the form of a separate policy both from the National Flood Insurance Program (NFIP) and from a few private insurers. Most homeowners and renters insurance policies don’t cover flood damage. Current Water Levels in a nearby waterbody can help you predict when flooding might occur during a rain or tropical event.If you are susceptible to storm surge, flood insurance is recommended, even if you are not located in a FEMA flood zone. Storm Surge flooding occurs when an abnormal rise of water generated by a storm is pushed toward the shore by strong winds.For an accurate BFE, refer to the Flood Profiles or Flood Elevation Tables in the Flood Insurance Study.Ī few inches of water is all it takes to cause major damage to your home and its contents. NOTE: The Base Flood Elevation (BFE) on the maps is only accurate to +/- a half-foot.Visit FEMA for additional flood zone information. Minimal flood hazard areas, which are the areas outside the SFHA and higher than the elevation of the 0.2-percent-annual-chance flood, are labeled Zone X (unshaded).Moderate flood hazard areas, labeled 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.During base flood conditions, the potential for 1.5- to 3-foot breaking waves exists. ![]() Coastal A Zones are the areas landward of a V Zone. Wave action is expected in V and Coastal A zones, so specific building criteria are required. By law, all homes in high-risk zones carrying a federally-backed mortgage must be covered by flood insurance. High-risk areas, referred to as Special Flood Hazard Areas (SFHA) are shown on the map as zones labeled with the letters A or V. High-risk areas are defined as having a 1% chance of being flooded in any given year, which is also referred to as the 100-year flood or base flood. ![]() Each flood zone designation, represented by a letter or letters, tells homeowners what the risk is for flooding at their property over a period of years, regardless of the cause.
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