Flood Insurance Guru| Understanding Flood Zones

There are many different types of flood zones out there and can be confusing. We are going to discuss four types of inland flood zones.  Zone X, D A, and AE.

A flood zone x is the lowest risk zone when it comes to flooding. While this zone has minimum risk about 30% of flooding does occur in this zone because of flash flooding. The video below gives a good explanation of a flood zone X.

The next flood zone we are going to discuss could be considered a land mine waiting to go off and that is a flood zone D. The reason for this this type of zone has not been mapped yet so the risk has not been determined. This could be a high risk for flooding or a low risk for flooding. The video below gives a good explanation what a flood zone D is.

The next type of flood zone is the A zone. These type of Special Flood Hazard Areas are subject to rising waters and are usually near a lake, river, stream or other body of water. Flood insurance is mandatory in all A zones because of the high potential of flooding.  These type of zones may not have a base flood elevation sometimes making it difficult to get a property removed. Before ordering an elevation certificate it is recommended that you reach out to a flood insurance specialist like the flood insurance guru or a local flood plain manager to verify this. The video below also gives a good explanation of what a flood zone A is.

The next flood zone we will discuss is a flood zone AE. Outside the coast this area has the highest risk of flooding, it is also referred to as a 100 year flood zone. This zone also has has a base flood elevation which tells you how far above or below the flood line a property is.  The video below gives a little more explanation of what a flood zone AE is.

If you have questions about this type of zones or are not sure what type of zone you are in we recommend reaching out to The Flood Insurance Guru to do a zone determination. You can click below to start the process.