![]() All submittals must be sent within the 90-day Appeal/ Comment period. Over 20% of National Flood Insurance Program ( NFIP) claims are filed for properties in low or moderate risk areas. The community CEO or designated community official must submit all appeals and comments along with the required support data discussed above their Regional FEMA office, Attn: Mitigation Division, FIRM Appeal/Comment Submittal. However, a low risk of flooding does not mean there is no risk of flooding. Areas with a low to moderate hazard are shown as Zone X. BFEs may differ dramatically within a small area, because waves can diminish in size over a short distance upon encountering obstructions or steep ground. Changes in flood zones and BFEs can have a significant impact on building requirements and flood insurance costs. ![]() On flood maps in coastal communities, Zone AO usually marks areas at risk of flooding from wave overtopping, where waves are expected to wash over the crest of a dune or bluff and flow down into the area beyond.īase Flood Elevations (BFEs) in these flood zones vary along the coast and with distance inland. Zone AO is used to map areas at risk of shallow flooding during a base (1%-annual-chance) flood, where water with average depths of 1 to 3 feet flows over sloping ground. Zone AE indicates areas that have at least a 1%-annual-chance of being flooded, but where wave heights are less than 3 feet. These practices are intended to improve the chance of a home safely weathering a flood event. While the principle analysis is based on a 1 percent rule of the 100-year floodplain, many areas in FEMA’s flood map have the propensity to sustain multiple floods every 100 years and some areas. To address the added wave hazard, more stringent building practices are required in Zone VE, such as elevating a home on pilings so that waves can pass beneath it, or a prohibition to building on fill, which can be easily washed away by waves. Flood zone designations are based on a 100-year floodplain that predicts the likelihood of an area sustaining at least one flood every 100 years.
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