![]() Sometimes the SFHA is casually referred to as the “Flood Zone”, but these terms shouldn’t be confused. This is where flood insurance may be required depending on structure location. Some important points and definitions to know:Ī Flood Zone is any zone delineated on a FEMA Flood Insurance Rate Map (FIRM)Ī Special Flood Hazard Area (SFHA) is a high risk flood zone, and is the land area covered by the base flood on a FIRM. The different zones illustrate whether you live in a high-risk, low-risk, or moderate-risk flood zone. Everyone lives in an area with some flood risk-it’s just a question of what level of risk is present. Flood insurance purchase is not mandatory.Everyone is in a Flood Zone, Not Everyone in a Special Flood Hazard Area.Įvery property is mapped within a flood zone of some kind. Mandatory flood insurance requirements apply.įlood insurance rate zones that are outside the flood plain or the average flood depths of less than 1 foot. Mandatory flood insurance purchase requirements apply.įlood insurance rate zone that corresponds to coastal areas that have additional hazards associated with storm waves. Mandatory flood insurance purchase requirements apply.įlood insurance rate zone that corresponds to areas of shallow flooding with average depths between 1 and 3 feet. Mandatory flood insurance purchase requirements apply.įlood insurance rate zone that corresponds with flood depths greater than 3 feet. The following flood zone designation determines whether or not flood insurance is mandatory.įlood insurance rate zone determined by approximate methods, as no Base Flood Elevations (BFEs) are available for these areas. The inland high-risk zones will be labeled with designations such as “A”, “AE” or “AH”, and coastal high-risk zones that have additional risk from storm surge will be labeled “VE”. The low- and moderate-risk zones are represented on the maps by the letter “X”, "0.2 PCT" or an “X” that is shaded. Click here on on the map above.īy always adopting the latest flood maps, Broward County and the City of Fort Lauderdale are assured that FEMA will offer assistance during emergencies and provide flood insurance coverage for county residents. The maps are updated by FEMA periodically, with the latest review completed in 2013 and adopted in August 2014.Ĭheck to see if your property requires flood insurance under the new FEMA maps.
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