Special Flood Hazard Area Maps


Understanding the FEMA Zone Definitions

Zone A - “Areas with a 1% annual chance of flooding and a 26% chance of flooding over the life of a 30-year mortgage. Because detailed analyses are not performed for such areas, no depth or base flood elevations are shown within these zones.” Zone A is considered a high risk area and flood insurance is required for properties with a federally backed mortgage.

Zone AE - “The base floodplain where base flood elevations are provided. AE Zones are now used on new format Flood Insurance Rate Maps instead of A1-A30 Zones.” Zone AE is considered a high risk area and flood insurance is required for properties with a federally backed mortgage.

Zone AH - “Areas with a 1% annual chance of shallow flooding, usually in the form of a pond, with an average depth ranging form 1 to 3 feet. These areas have a 26% chance of flooding over the life of a 30-year mortgage. Base flood elevations derived from detailed analyses are shown as selected intervals within these zones.” Zone AH is considered a high risk area and flood insurance is required for properties with a federally backed mortgage. 

Need More Information?

For assistance and more information email the Stormwater Planning Division or call 703-324-5500, TTY 711.


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