![]() If you’ve found out that your property is within the boundaries of a flood zone, especially a high-risk flood zone, the first step is to contact a qualified agent below and verify whether your assumptions are correct. You can also check the number of flood losses in this area, flood claims, average claim, and even active flood insurance policies all within the past 10 years. For example, the YOUR FLOOD RISK bar indicates the severity of the flood zone, without you having to look up what each flood zone means. There are other indications on the menu that appears on the right that will provide you with additional information. Just search for the address of your property and you’ll see a map that looks something like this:į will show you a similar kind of map but in real-time with a red outline of where the current flood zones are. There’s also another great website that I personally like a lot more because of its user-friendliness, called. They allow both homeowners and policymakers to make informed decisions about asset management, urban planning, and flood risk management. Flood maps indicate which areas generally flood if water rises to a certain level. The United States Government provides flood maps online for homeowners to review. Luckily, there’s a quick and FREE way to find out if your property is located in a flood zone. The first step is to determine if you live in a flood zone. If flood insurance is available to you, you may want to consider it if you are endangered or feel vulnerable. Insurers are now finding themselves paying more for sewage backups, given that the infrastructure in many municipalities can be overwhelmed by torrential downpours. ![]() In fact, even though you may consider your property to be at low risk, flood risk is spread across all types of terrain, in both rural and urban locations throughout Connecticut. It’s an event that they watch on the news.Įven if it’s statistically unlikely that you’ll be the victim of a flood similar to what happened in Houston, you definitely do not want to ignore the possibility, even in Connecticut, as one storm could wipe out all your possessions and properties in a matter of minutes. No big deal, you may say, as most people don’t believe that a flood will ever affect them. Since 1895, precipitation across the US has increased at an average rate of 0.16 inch per decade, which has led to the increased danger of floods. average annual precipitation was 34.63 inches, which is 4.69 inches above the long-term average. Base flood elevations derived from detailed analyses are shown at selected intervals within these zones.The contiguous U.S. These areas have a 26% chance of flooding over the life of a 30 year mortgage. VE - Coastal areas with a 1% or greater chance of flooding and an additional hazard associated with storm waves. ![]() Average flood depths derived from detailed analyses are shown within these zones. ![]() Base flood elevations derived from detailed analyses are shown at selected intervals within these zones.ĪO - River or stream flood hazard areas, and areas with a 1% or greater chance of shallow flooding each year, usually in the form of sheet flow, with an average depth ranging from 1 to 3 feet. These areas have a 26% chance of flooding over the life of a 30 ‐ year mortgage. Because detailed analyses are not performed for such areas no depths or base flood elevations are shown within these zones.ĪE - The base floodplain where base flood elevations are provided.ĪH - Areas with a 1% annual chance of shallow flooding, usually in the form of a pond, with an average depth ranging from 1 to 3 feet. The SFHA designations which appear within Bay County are explained further below.Ī - Areas with a 1% annual chance of flooding and a 26% chance of flooding over the life of a 30 year mortgage. The areas of minimal flood hazard, which are the areas outside the SFHA and higher than the elevation of the 0.2-percent-annual-chance flood, are labeled Zone C or Zone X (unshaded). Moderate flood hazard areas, labeled Zone B or Zone X (shaded) are also shown on the FIRM, and are the areas between the limits of the base flood and the 0.2-percent-annual-chance (or 500-year) flood. SFHAs are labeled as Zone A, Zone AO, Zone AH, Zones A1-A30, Zone AE, Zone A99, Zone AR, Zone AR/AE, Zone AR/AO, Zone AR/A1-A30, Zone AR/A, Zone V, Zone VE, and Zones V1-V30. The 1-percent annual chance flood is also referred to as the base flood or 100-year flood. SFHA are defined as the area that will be inundated by the flood event having a 1-percent chance of being equaled or exceeded in any given year. Flood hazard areas identified on the Flood Insurance Rate Map are identified as a Special Flood Hazard Area (SFHA).
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