![]() ![]() Areas subject to inundation by the 1 percent annual chance flood event determined by detailed methods. (In unincorporated Lee County, the county has estimated BFEs in these areas.) Mandatory flood insurance purchase requirements and floodplain management standards apply. Because detailed hydraulic analyses have not been performed, no Base Flood Elevations (BFEs) or flood depths are shown. Areas subject to inundation by the 1 percent annual chance flood event generally determined using approximate methodologies. The land area that could be covered by the floodwaters of the base flood is where the NFIP's floodplain management regulations must be enforced and where the mandatory purchase of flood insurance applies for federally backed mortgages. The requirement also extends to private mortgage companies backed by the FDIC or other federal agencies. Therefore, many private mortgage companies also require flood insurance on properties in the SFHA. ![]() Floods don’tĪ flood zone - it's just a question of whether you live in a low, moderate, or It’s important to know that just because an area isĭesignated as X zone does not mean that the area will never flood. ![]() The X zone (also known as “low–risk flood zone”) is an area outside of the That means a flood could happen this year and again the next year. The Special Flood Hazard Area is an area that has a 1 percentĬhance, or a 1 in 100 chance, of a flood happening in any given year. The 1 percent annual chance flood is also referred to as the base flood and you may also hear and see the term 100-year flood, however, see the below information about that term and the misconception associated with it.įlood” Misconception - People sometimes hear the phrase “100-year”įlood and think a flood happens only once in one hundred years. The floodplain on Flood Insurance Rate Maps is identified as a Special Flood Hazard Area (SFHA). The SFHA is an area that could be inundated by a flood event with a 1 percent chance of reaching or exceeding base flood elevations in any given year. 50% Rule: Substantial Improvement/Substantial Damage.Notice of Proposed Changes to FIRM Maps.Lee Concurrence for Letters of Map Correction.Landscaping Requirements/ Preserve Management.State Contractor Registration & Authorized Signers.Land Development Code Advisory Committee.Executive Regulatory Oversight Committee.Bicycle & Pedestrian Advisory Committee.Development Services - Case File Search.It’s a no-brainer.įor more information on flood zones, flood maps, and flood insurance contact your insurance agent or visit Search for an Elevation Certificate Online For less than a dollar a day, I can sleep easy at night when the rain from the latest tropical system is pouring down. I have those amounts of coverage on my home in a low-risk flood zone and my premium is just over $300 per year. A single-family home is limited to $250,000 coverage for structural damage and $100,000 for contents. It is relatively inexpensive, especially if your home is in a low-risk flood zone. Also has a 26% chance of flooding over 30 years.Įveryone, no matter where in Florida they live should carry flood insurance available through the National Flood Insurance Program. Be aware that federal law requires you to purchase flood insurance if you have a federally backed mortgage and reside in a high-risk area.Ĭoastal Areas with a 1% or greater chance of flooding annually and subject to the additional hazard of storm waves. But it is your insurance agent who will use a Flood Insurance Rate Map or FIRM, to ultimately determine your flood risk. Your real estate agent might be able to tell you which flood zone the property you are looking at is in. It’s just a matter of whether it is in a low, moderate or high-risk flood zone. I often hear people ask, “is the property in a flood zone?” and usually people describing homes in low-risk areas will say “no, it’s not in a flood zone.” Well, the correct answer is that every property is in a flood zone. The Federal Emergency Management Association (FEMA) puts out “flood maps” that show which areas in Florida tend to be most prone to flooding. Second, losses due to floods are not covered by your homeowner’s insurance policy. First, flooding is the number one natural disaster in the United States even properties not near water can be susceptible to flooding. There are two facts that most people do not know. Information about Florida Hurricane Evacuation Zones can be found at the Florida Division of Emergency website. Editor's Note: Every time a hurricane threatens Florida, this webpage sees an uptick in traffic, however this page is about FEMA Flood Zones, NOT Hurricane Evacuation Zones. ![]()
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