FloodZoneMap.org

FEMA Flood Zone Types

Understanding what each flood zone means for your property

High-Risk Zones (SFHA — Insurance Required)

AE

1% annual chance flood zone with base flood elevations determined

A

1% annual chance flood zone without base flood elevations

VE

Coastal high-risk zone with wave action and base flood elevations

V

Coastal high-risk zone with wave action, no base flood elevations

AH

Shallow flooding zone with ponding, 1-3 feet deep

AO

Shallow flooding zone with sheet flow, 1-3 feet deep

A99

Area protected by a federal flood control system under construction

AR

Area where a flood control system is being restored to provide protection

Moderate & Low-Risk Zones

X (Shaded)

500-year floodplain — 0.2% annual chance of flooding

X (Unshaded)

Minimal flood risk — outside the 500-year floodplain

D

Flood risk not yet determined by FEMA