![]() ![]() In communities that participate in the National Flood Insurance Program (NFIP), flood insurance is available to all property owners and renters in these zones: ZONEĪrea of moderate flood hazard, usually the area between the limits of the 100-year and 500-year floods. Each zone reflects the severity or type of flooding in the area. These zones are depicted on a community's Flood Insurance Rate Map (FIRM) or Flood Hazard Boundary Map. Lending institutions and federal agencies to locate properties and building in relation to mapped flood hazards, and to determine if flood insurance is required when making loans for the purchase or construction of a building or for providing grants after a disaster.ĭefinitions of FEMA Flood Zone Designationsįlood zones are geographical areas that the FEMA has defined according to varying levels of flood risk.Planning staff and building officials to administer floodplain management regulations and to mitigate flood damage and.Homeowners, insurance agents, and real estate brokers to determine if a specific property or building is in a flood hazard area.More information on FIRMs is available at the website or visit the FEMA Flood Map Service Cente r. ![]() They show the location of a property relative to flood hazard areas, which is one of the factors used to calculate flood insurance rates. FIRM Floodplain Maps Definition & Purposeįlood Insurance Rate Maps (FIRMs) are official maps on which the Federal Emergency Management Agency (FEMA) has delineated flood hazard areas and risk zones.
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