Purchase of flood insurance is recommended but not required. It may be subject to 0.2% (500-year) flood, or it may be subject to the 1% flood but with flood depth of less than 1 foot, or the drainage area is less than 1 square mile, or it’s protected by a levee. This area is outside the SFHA the risk is considered minimal, but represents more than one type of risk. It represents the area between the 1% and 0.2% flood (the “100-year” and “500-year” flood). The area is outside the SFHA, and considered to have a moderate, rather than high, flood risk. Purchase of flood insurance is mandatory. In Flagler Beach, the BFE ranges from 4 to 5 feet. Areas subject to inundation determined by detailed methods. This area is inside the SFHA and has a high risk of flood. BFEs are determined from detailed hydraulic coastal analyses. Primary frontal dunes and areas along coasts are subject to inundation with additional hazards due to storm-induced velocity wave action. Flood zones seen on the current Flagler Beach FIRMs, dated July 17, 2006, include: Flood Zone The maps are divided into flood zones based on risk and the estimated depth to which water will rise, called the Base Flood Elevation (BFE). The map is used to delineate the Special Flood Hazard Area (SFHA), i.e., the area that would be inundated by a flood event having a 1% chance of being equaled or exceeded in any given year. The results of the FIS are used to draw the Flood Insurance Rate Map (FIRM). An FIS is based on historic flood levels, climate, topography, hydrologic (quantity of water) and hydraulic (movement of water) data, the amount of open space and development, and flood control works. To determine the flood hazard for a particular area, FEMA conducts a Flood Insurance Study (FIS). Base flood elevations derived from detailed analyses are shown at selected intervals within these zones.Flood Insurance Rate Maps and Floodplain Determinations 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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