MY FLORIDA

LIFE

FLOOD

ZONES

& INSURANCE

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When moving to or within Florida, one of the most popular questions we get from potential home buyers are in regards to flooding and flood insurance. Homeowners want to make sure that they are protected and that their insurance is feasible.
Flood insurance is something that is required if you are in a flood zone. Not all of Florida requires this insurance and may not be in a designated "zone."
FLOOD ZONES

According to Flash.org, the Federal Emergency Management Agency (FEMA) has placed more than 20,000 communities in the United States into a type of flood zone. Each of these communities are able to participate in the agency's National Flood Insurance Program (NFIP). Rate premiums are determined by the risks of flooding. To define the risks in each part of the country, FEMA has assigned a letter from the alphabet to each individual zone.

 

The most hazardous flood zones are V (usually first-row, beach-front properties) and A (usually, but not always, properties near water). 

 

V Zones

In accordance with FEMA and the National Flood Insurance Program, Zones A or V are considered to be in a Special Flood Hazard Area. 

 

  • V zones are the most hazardous of the Special Flood Hazard Areas. V zones generally include the first row of beachfront properties. The hazards in these areas are increased because of wave velocity - hence the V designation. Flood insurance is mandatory in V zone areas. 

Living in a V Zone

If your home is in a "V" zone (this includes VE and V-1-V-30), adhere to the following recommendations: 

  • The bottom of the lowest horizontal structural member of the lowest floor elevation must be at or above the Base Flood Elevation (BFE). 

  • Enclosed areas below the lowest floor cannot be used for living space. The building must be elevated on piles, piers, posts or column foundation. 

  • Electrical, heating ventilation, plumbing, air conditioning equipment and other service facilities must be elevated to or above the BFE.

 

A Zones 

A zones - the next most volatile of the Special Flood Hazard Areas - are subject to rising waters and are usually near a lake, river, stream or other body of water. Flood insurance is mandatory in all A zones because of the high potential of flooding. A-zone maps also include AE, AH, AO, AR and A99 designations, all having the same rates. The different A zones are named depending on the way in which they might be flooded.

Living in an A Zone

If your home is in an A zone (includes AE, A1-A30, AH, AO, AR) follow these important recommendations: 

  • Enclosed areas below the lowest floor cannot be used for living space. 

  • Electrical, heating, ventilation, plumbing, air conditioning equipment and other service facilities must be elevated to or above the BFE.

Other Zones

  • X zones are minimal-risk areas where flood insurance is not mandatory.

  • D zones are areas that have not been studied, but where flooding is possible.

You Can Find Your Current or Potential Flood Zone at the Link Below:

https://msc.fema.gov/portal

If You Would Like More Information Regarding The National Flood Insurance Program, Feel Free to Contact Us Below: