Definitions of FEMA Flood Zone Designations | ||||||||||||||||
Flood zones are geographic areas that the FEMA has defined according to varying levels of flood risk. These zones are depicted on a community’s Flood Insurance Rate Map (FIRM) or Flood Hazard Boundary Map. Each zone reflects the severity or type of flooding in the area. | ||||||||||||||||
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: | ||||||||||||||||
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High Risk Areas | ||||||||||||||||
In communities that participate in the NFIP, mandatory flood insurance purchase requirements apply to all of these zones: | ||||||||||||||||
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High Risk – Coastal Areas | ||||||||||||||||
In communities that participate in the NFIP, mandatory flood insurance purchase requirements apply to all of these zones: | ||||||||||||||||
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Undetermined Risk Areas | ||||||||||||||||
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