![]() ![]() Zone V: This zone faces an additional hazard from erosion, fast and strong water movement, and waves that may be 3 feet or greater during storm events. Mandatory flood insurance purchase requirements apply. No Base Flood Elevations or depths are shown within this zone. ![]() Zones AH, AO, AR, A99: The flood insurance rate zone that corresponds to areas of the 100-year floodplains that will be protected by a Federal flood protection system where construction has reached specified statutory milestones. An elevation certificate is required to accurately calculate insurance rates in these zones. AE zones are present on newer maps zones A1-30 are present on older maps. Base flood elevations are calculated and displayed on flood maps. Zone AE or Zone A1-30: This zone has a low risk of erosion and can experience breaking waves less than 1.5 feet. On a flood map these zones are referred to as the letters below or, collectively, as the 1% annual chance or 100-year-flood zone. Structures located in these zones with a federally-backed mortgage are required to purchase flood insurance. They have at least a 1% chance of flooding each year and at least a 26% chance of flooding over the lifetime of a 30-year mortgage. These zones make up the Special Flood Hazard Area and are in the 100-year-flood zone. Protecting residents from the financial loss due to flooding, no matter whether it is from heavy rains or levee breaches, dates back to 1968 when Congress created the National Flood Insurance Program, giving the responsibility to the Federal Emergency Management Agency (FEMA) for producing Flood Insurance Rate Maps that show areas subject to flooding based on historic, meteorological and hydrologic data. Normally when people in New Orleans ask if an area floods they are talking about heavy rains causing water to pool in the streets until the city pumps can suck the water down the drains and into the Mississippi River, but since Hurricane Katrina caused the levees to fail and flood the city with water from Lake Pontchartrain, people now include the risk of levees failing when discussing flooding and debate whether the $14 billion dollar new levee system will save us all. This article explains the various flood zones and provides step-by-step guidance on how to read a flood map and create your own flood map for any location. ![]()
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