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Understanding Flood Maps
What are Flood Maps?

Flood maps, known officially as Flood Insurance Rate Maps (FIRMs), show areas of high and moderate to low flood risk. Communities use the maps to set minimum building requirements for coastal areas and floodplains, lenders use them to determine flood insurance requirements, and the Federal Emergency Management Agency (FEMA) uses them to help determine what you should pay for flood insurance.

Flood maps show areas of high, moderate, and low flood risk as a series of zones. High-risk zones, also known as Special Flood Hazard Areas (SFHAs), begin with the letters “A” or “V.” Moderate- to low-risk zones, known as Non-Special Flood Hazard Areas (NSFHAs), begin with the letters “X”, “B” or “C.” There are also areas where the flood hazard is undetermined, labeled as Zone D. Learn more about defining flood risks, the risks shown on coastal flood maps, or the risks associated with living behind Levees.

View your map now at FEMA's Flood Map Service Center, or learn more about how flood maps affect your flood insurance rates.

PRIMARY RESIDENCE DISCLAIMER


For flood insurance rating purposes, a primary residence is a building that will be lived in by the insured or the insured's spouse for at least 80 percent of the 365 days following the policy effective date. If the building will be lived in for less than 80 percent of the policy year, it is considered to be a non-primary residence.

How Can I get Covered?

  • Rate your risk
  • Estimate your premiums
  • Find an agent
 

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Last Updated: Thursday, 25-Aug-2016, 10:44 AM (EDT)

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