Risk Status

Levees are de-accredited

If a levee cannot be certified as providing protection from the one-percent-annual-chance flood, the levee will not be accredited by FEMA. De-certified or non-certified levees cannot be depicted on flood hazard maps as providing the required level of protection. The areas behind these levees will be mapped as high-risk areas (Special Flood Hazard Areas) and flood insurance will be required for buildings with mortgages from federally regulated or insured lenders.

Levees are accredited

If a levee can be shown to provide protection from a major flood - defined as the flood that has a one percent or greater chance of occurring in any given year - then FEMA will accredit, or recognize, the levee as providing adequate protection on flood hazard maps. The area behind it will be shown as a moderate-risk zone (shaded "X" zone on flood hazard maps). While there is no federal mandatory purchase requirement in this zone, the purchase of flood insurance in such areas is strongly recommended.

Levees under review or provisionally accredited

A Provisionally Accredited Levee designation applies to a levee that has previously been accredited as providing one-percent-annual-chance flood protection, but has the current status under review. FEMA is awaiting data and/or documentation to show that the levee complies with the federal standards and levee owners are being given up to 24 months to obtain and submit necessary data. During this time, the levee continues to be shown as providing one-percent-annual-chance flood protection. The area near the levee continues to be shown as a moderate-risk zone (shaded "X" zone on flood hazard maps) unless additional flood risks are present.

Situation #1:
Levees are de-accredited

Flood insurance now required.

Situation #2:
Levees are accredited

Properties released from the flood insurance requirement.