Flooding has no boundaries and occurs in and out of designated flood zones. Therefore, it is recommended residents and property owners in Newport News purchase flood insurance. Hurricane Matthew (2016) resulting in an estimated 60% of affected properties did not have insurance. FEMA reports that more than 20 percent of flood claims come from properties outside the high risk flood zone. These zones do not mean that a particular property will or will not flood under differing conditions, they just mean that some areas are at a higher risk than others. These Zones are established for regulatory flood plain management and the establishment of risk based insurance rates. Homeowners and renters residing in high risk flood zones, including AE, AH, AO, and VE, are typically required to purchase flood insurance. These zones are represented on a community's Flood Insurance Rate Map (FIRM). Flood zones are geographic areas defined by FEMA according to varying levels of flood risk. The program establishes a category of flood zones. It’s a no-brainer.įor more information on flood zones, flood maps, and flood insurance contact your insurance agent or visit Federal Emergency Management Agency (FEMA) manages the National Flood Insurance Program (NFIP) which provides insurance coverage, typically not otherwise offered, to cover flood related damages. For less than a dollar a day, I can sleep easy at night when the rain from the latest tropical system is pouring down. Further information and definitions can be found on the FEMA Website. I have those amounts of coverage on my home in a low-risk flood zone and my premium is just over $300 per year. FEMA helps communities develop floodplain. A single-family home is limited to $250,000 coverage for structural damage and $100,000 for contents. Floodplain management is the operation of a program of preventive and corrective measures for reducing flood damage. It is relatively inexpensive, especially if your home is in a low-risk flood zone. Also has a 26% chance of flooding over 30 years.Įveryone, no matter where in Florida they live should carry flood insurance available through the National Flood Insurance Program. Be aware that federal law requires you to purchase flood insurance if you have a federally backed mortgage and reside in a high-risk area.Ĭoastal Areas with a 1% or greater chance of flooding annually and subject to the additional hazard of storm waves. But it is your insurance agent who will use a Flood Insurance Rate Map or FIRM, to ultimately determine your flood risk.
Your real estate agent might be able to tell you which flood zone the property you are looking at is in. It’s just a matter of whether it is in a low, moderate or high-risk flood zone. I often hear people ask, “is the property in a flood zone?” and usually people describing homes in low-risk areas will say “no, it’s not in a flood zone.” Well, the correct answer is that every property is in a flood zone. You can use the information to better understand your level of flood risk and type of flooding. FEMA provides the flood hazard data to support the National Flood Insurance Program. The Federal Emergency Management Association (FEMA) puts out “flood maps” that show which areas in Florida tend to be most prone to flooding. The National Flood Hazard Layer (NFHL) is a geospatial database that contains current effective flood hazard data. Second, losses due to floods are not covered by your homeowner’s insurance policy. First, flooding is the number one natural disaster in the United States even properties not near water can be susceptible to flooding. There are two facts that most people do not know. The maps show BFEs derived from detailed hydraulic analyses.
Zone VE areas are subject to inundation by the 1-percent-annual-chance flood event with additional hazards due to storm-induced velocity wave action.
Information about Florida Hurricane Evacuation Zones can be found at the Florida Division of Emergency website. Zone VE Used in place of V1-V30 on some maps. Editor's Note: Every time a hurricane threatens Florida, this webpage sees an uptick in traffic, however this page is about FEMA Flood Zones, NOT Hurricane Evacuation Zones.
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