![]() Areas subject to inundation by the 1 percent annual chance flood event determined by detailed methods. (In unincorporated Lee County, the county has estimated BFEs in these areas.) ![]() Mandatory flood insurance purchase requirements and floodplain management standards apply. Because detailed hydraulic analyses have not been performed, no Base Flood Elevations (BFEs) or flood depths are shown. Areas subject to inundation by the 1 percent annual chance flood event generally determined using approximate methodologies. The land area that could be covered by the floodwaters of the base flood is where the NFIP's floodplain management regulations must be enforced and where the mandatory purchase of flood insurance applies for federally backed mortgages. The requirement also extends to private mortgage companies backed by the FDIC or other federal agencies. Therefore, many private mortgage companies also require flood insurance on properties in the SFHA. Floods don’tĪ flood zone - it's just a question of whether you live in a low, moderate, or It’s important to know that just because an area isĭesignated as X zone does not mean that the area will never flood. The X zone (also known as “low–risk flood zone”) is an area outside of the That means a flood could happen this year and again the next year. The Special Flood Hazard Area is an area that has a 1 percentĬhance, or a 1 in 100 chance, of a flood happening in any given year. The 1 percent annual chance flood is also referred to as the base flood and you may also hear and see the term 100-year flood, however, see the below information about that term and the misconception associated with it.įlood” Misconception - People sometimes hear the phrase “100-year”įlood and think a flood happens only once in one hundred years. The floodplain on Flood Insurance Rate Maps is identified as a Special Flood Hazard Area (SFHA). The SFHA is an area that could be inundated by a flood event with a 1 percent chance of reaching or exceeding base flood elevations in any given year.
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