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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
“X” zones are areas outside the 500-year flood and protected by levees from 100-year flood. High risk flood areas have a 1 in 4 chance of flooding during a 30-year mortgage, otherwise known as a 1% annual flood risk. “A” areas are typically located near ponds, streams, and rivers.
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).
What does Flood Zone X mean? Flood Zone X is a designation on a flood map that indicates an area with moderate-to-low risk for floods. FEMA actually has two distinct flood zones with this designation: one shaded and one unshaded.
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
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.
X Zone Information - The X zone (also known as “low–risk flood zone”) is an area outside of the Special Flood Hazard Area. It’s important to know that just because an area is designated as X zone does not mean that the area will never flood. Floods don’t read flood maps.
FEMA’s low and moderate-risk flood zones – those outside the SFHA – are those that begin with the letters “X,” “B,” or “C.” Flood insurance is not required within these zones. These zones could still have flood risk as historically more than 20% of NFIP claims are made by policyholders in an X, B, or C zone.