Area protected by a federal flood control system under construction
Where A99 sits
A / AE Inside the 1%-a-year floodplain: about a 26% chance of flooding over a 30-year mortgage. AE has a mapped base flood elevation; plain A does not.
Floodway The channel and the land beside it that has to be kept clear enough to carry the flood. Building here is tightly limited.
X shaded The 0.2% (500-year) floodplain, plus some levee-protected and very shallow flood areas.
X Outside both lines. No federal requirement to insure, which is not the same as no risk.
What Is Zone A99?
Zone A99 areas are protected by a federal flood control system (such as a levee or dam) that is under construction. When completed, the area should be reclassified to a lower risk zone.
Until the system is finished, the area is still considered high-risk. Building in Zone A99 areas may be subject to the same requirements as other A zones.
Flood Insurance Requirements
Flood insurance is required if you have a mortgage from a federally regulated or insured lender, or a federally backed loan such as FHA, VA, Fannie Mae or Freddie Mac. Zone A99 is a Special Flood Hazard Area.