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									 F.E.M.A. Flood Zones

What are the zones, and what do
          they mean?
       The “100 Year Standard”
• A national standard was needed to assess and manage
  flood risk. After extensive studies and coordination with
  federal and State agencies, the 1 percent annual chance
  flood (also referred to as the 100 year or “Base Flood”)
  was chosen to be the standard.
• The 1 percent annual chance flood was chosen on the
  basis that it provides a higher level of protection while not
  imposing overly stringent requirements or costs on the
  property owners.
• The 1 percent annual chance (or 100 year flood)
  represents a magnitude and frequency that has a
  statistical probability of being equaled or exceeded in any
  given year, or stated alternatively the 100 year flood has
  a 26 percent chance (1 in 4) of occurring over the life of a
  30 year mortgage.
                     Zone „A‟
•  Zone “A” - Areas of 100    • Zone “AH” – Areas of 100
  year flood; base flood        year shallow flooding
  elevations and flood          where depths are
  hazard factors not            between 1 and 3 feet,
  determined.                   base flood elevations are
• Zone “A0” – Areas of 100      shown, but no flood
  year shallow flooding         hazards are determined.
  where depths are            • Zones “AE” and “A1-A30”
  between 1 and 3 feet,         Areas of 100 year flood,
  average depths of             base flood elevations and
  inundation are shown, but     flood hazards
  no flood hazards are          determined.
                  Zone “V”
• Zone “V” – Areas of      • Zone “V1-V30” and
  100 year coastal flood     “VE”” – Areas of 100
  with velocity (wave        year coastal flooding
  action), base flood        with velocity (wave
  elevations and flood       action), base flood
  hazard factors not         elevations and flood
  determined                 hazards determined
     Zone “B” and Shaded “X”
• Shaded Zone “X”, and Zone “B” – Areas
  between the limits of the 100 year flood (1
  percent annual chance), and the 500 year
  flood (0.2 percent annual chance) areas of
  100 year flood with average depths of less
  than 1 foot, or where the contributing
  drainage areas are less than 1 square
  mile, or areas protected by levees from the
  100 year flood.
          Zones “C” and “X”
• Zone “C” – Areas of   • Zone “X” (unshaded)
  minimal flooding        Areas determined to
                          be outside the 500
                          year (0.2 percent
                          chance annual flood)
    What Zones require insurance for
       a Federally backed loan?
•   Zone     common name       color    level of risk insurance required
•   “A”,” AE” 1%(100 yr)     dark grey         <1%           yes,
•   “AH”,”A0” 1% (100 yr)    dark grey         <1%           yes
•   “A1-A30” 1% (100 yr)     dark grey         <1%           yes
•   Floodway 1% (100 yr) hatched dark grey <1%               yes
•   “V”, “VE” 1% (100 yr) dark grey            <1%           yes
•   “V1-V30” coastal Flood dark grey            <1%          yes
•   “B”, “X”   0.2% (500 yr) light grey     0.2% to 1%       no
•   “C”       minimal        white          minimal          no
•   “X”       outside flood   white         >0.2%             no
   Flood Insurance Rate Maps
• The Flood Insurance Rate Maps are published
  by the Federal Emergency Management
  Agency, and show flood hazards graphically.
  These are shown by differences in shading on
  the map. To determine if the property is in a
  Special Flood Hazard Area, the property is
  graphically plotted on these maps.
• Each map has a scale, and a north arrow, and
  some major features on it. (roads, forest
  boundaries, etc..) some of these are at the same
  scale as the USGS Quadrangle sheets, while
  others are not.
  Access to Flood Insurance Rate
• The repository for the maps is shown on the
  index to the set (usually the county) this is
  generally the Local Flood Plain Administrator.
• Maps can also be ordered from F.E.M.A. either
  as a county set, or individual maps.
• One of the easiest ways to view these maps is to
  go the the FEMA web site.
• Many land surveyors have a set of these maps
  in their office.
    Viewing FIRM panels from the
          FEMA web site.
• A FIRMette is a paper copy of a user defined
  portion of a Flood Insurance Rate Map (FIRM)
  created from your computer.
• I have included some Indexes, and sometimes
  find it easier to look on them to get the correct
  map panel.
• Or, from the FEMA web site a map search will
  pick the correct map panel for you,
• Here are the instructions for a catalog search
• Here are the instructions for a Map search
FIRMettes from catalog search

                                                                     Step 2: Select the
                                                                     product you wish to
 Step 1: Click the                                                    (“FEMA issued Flood
     “catalog.”                                                      Maps” for this example)

                  Step 3: Sequentially select the
                    State, County or Parish, and
                  Community name. Click on “Find    Step 4: Choose the panel that you
                    FEMA issued Flood Maps!”        wish to view, and click on the green
                                                    button next to it. (If there is no green
                                                      button, the FIRM is not available for
FIRMettes from Catalog search

           Step 5: A                                        Step 7:
               new                                          Move the
           window will                                      pink box
             appear                                         to cover
           displaying                                       the area
           the image.                                       you want
             Click on                                       included
           the “Make                                        in your
                 a                                          FIRMette
           FIRMette!”                                       .
            button. *

                         Step 6: Choose your paper
                         size. (The default size is 8.5 X
FIRMettes from Catalog search

                  Step 8: If you wish
                  to reposition the title
                  block or north arrow,
                  click the appropriate
                  button to the left and
                  then drag the pink
                  box to cover the area
                  you want included.
                  (They will be centered
                  by default.)

                                            Step 10: You will see your FIRMette on the screen. Click the
                                            “Save Your FIRMette” button to save to your computer. (Saving
             Step 9:                         allows you to go back any time and print more copies without going
      Choose either Adobe PDF                                  through all of the steps again.)
              or TIFF.
FIRMettes from Catalog search

                               If you are having trouble
                             creating your FIRMette, click
                                    the help button.

Step 11: Once saved
  to your PC you can
double click on the file
name of the FIRMette
to open it in your local
   viewer. Print your
  (Remember to set the
 layout of your printer to
  FIRMettes from Map Search
– www.store.msc.fema.gov
– Map Search allows users to view and select a flood map panel geographically.
  A specific flood map panel or an area of interest can be located by typing in a
  street address or by using the interactive map. Follow the steps below:
– Step 1: Click “Map Search.”

                            Step 1: Click
                            “Map Search.”
FIRMettes from Map Search

                            Step 2: Select the product you wish to
                                         view or order.
                               (“Public Flood Map” for this example)

    Step 3: Click on
   address, type in the
  address of interest and
   press the Go button.
FIRMettes from Map Search
   FIRMettes from Map Search
• The next steps are the same as slides 12-14.
• This process will identify the correct FIRM panel, but
  WILL not plot the property on it.
• To plot the property on the panel, it will usually have to
  be scaled from the roads or features on the map, and
  sometimes other maps are helpful (the Base map that
  the FIRM panel was created from), sometimes the
  USGS Quadrangle Sheet.
• Other times a county map that is the same scale as the
  Firm Map is helpful.
• In rural areas with non defined roads, property is
  sometimes plotted on a Quadrangle sheet, at the same
  scale as the FIRM panel.
Sample FIRM map Index
A Sample FIRMette
     Thank You for your time.
• Information taken from FIRM maps, FEMA
  website, Professional seminar provided by
  Land Pro seminars, and personal information.

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