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Moderate- to low-risk areas are shown on flood maps as zones beginning with the letters 'B', 'C' or 'X' (or a shaded X). These areas submit more than 20 percent of National Flood Insurance Program claims and receive one-third of federal disaster assistance for flooding.
Whether you are in a high risk zone or not, you may need flood insurance because most homeowners insurance doesn't cover flood damage. If you live in an area with low or moderate flood risk, you are 5 times more likely to experience flood than a fire in your home over the next 30 years.
Flood Zone X describes a land area with minimal to moderate flood hazard, depending on whether it’s shaded or unshaded. FEMA publishes FIRMS that serve as official community maps to define special flood hazard areas (SFHAs) and the community’s specific flood zones.
The areas of minimal flood hazard, which are the areas outside the SFHA and higher than the elevation of the 0.2-percent-annual-chance flood, are labeled Zone C or Zone X (unshaded).
The FEMA Flood Map Service Center (MSC) is the official online location to find all flood hazard mapping products created under the National Flood Insurance Program, including your community’s flood map.
FEMA flood zone maps show the probability of flood risk across a geographical area. There are Flood Insurance Rate Maps (FIRMs) and Flood Hazard Boundary Maps. The zones that they depict reflect the severity of flooding in a particular area.
Moderate flood hazard areas, labeled Zones B or Zone X (shaded) are the areas between the limits of the base flood and the 0.2-percent-annual-chance (or 500-year) flood, and are also shown on the FIRM. Zone X is identified by the following: Areas that would be inundated by a 500-year flood (0.2-percent chance of flooding in any given