Minimal flood risk — outside the 500-year floodplain
Zone X (Unshaded), also called Zone C on older maps, represents areas of minimal flood risk. These areas are outside both the 100-year and 500-year floodplains.
However, "low risk" does not mean "no risk." From 2014 to 2024, FEMA's own data shows nearly one-third of NFIP claims came from properties outside the high-risk Special Flood Hazard Area. Flash floods, drainage issues, and unusual weather events can cause flooding anywhere.
Flood insurance is not required by federal law (your lender may still require it). However, given that nearly one-third of NFIP claims (2014–2024) come from outside high-risk zones, coverage may still be wise. Premiums are priced on each building’s own risk rather than the zone, so get a quote.
Enter your address to see if your property is in Zone X (Unshaded)