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. 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) floodplain 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 Maps • 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. www.store.msc.fema.gov • 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 view. 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 viewing.) 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 11.) 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 FIRMette! (Remember to set the layout of your printer to landscape.) 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.