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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.
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. SFHAs are high-risk flood zones.
levels of flood risk. Each zone is represented differently on the flood map to convey low, moderate, and high-risk flood zones. The images on the right highlight the high-risk flood zones (ZONE A/AO/AH) in a blue shade; the moderate-risk areas (ZONE X) have orange shading and low risk areas (ZONE X) are clear or unshaded. A X AH AO V VE AE
FEMA flood maps can show what flood zone your home is in: A, AE, X etc. See the definitions of each zone so you can assess your risk.
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). Flood hazard areas identified on the Flood Insurance Rate Map are identified as a Special Flood Hazard Area (SFHA).
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:
What is Zone C & X? Zone C & X: Area of minimal flood hazard, usually depicted on Flood Insurance Rate Maps (FIRM) as above the 500‐year flood level. Zone C may have ponding and local drainage problems that don’t warrant a detailed study or designation as base floodplain.
Flood zones are geographic areas that the FEMA has defined according to varying levels of flood risk. These zones are depicted on a community's Flood Insurance Rate Map (FIRM) or Flood Hazard Boundary Map.
Use the MSC to find your official flood map, access a range of other flood hazard products, and take advantage of tools for better understanding flood risk. FEMA flood maps are continually updated through a variety of processes.
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