Address lookup
Every zone has a meaning.
Read the mapped hazard, insurance rule and details behind each FEMA zone code.
| Zone | Mapped risk | What it means |
|---|---|---|
| Zone A | Higher mapped risk | A 1% annual-chance floodplain where detailed base flood elevations have not been determined. |
| Zone AE | Higher mapped risk | A 1% annual-chance floodplain with base flood elevations determined by a detailed study. |
| Zone AH | Higher mapped risk | A 1% annual-chance shallow-flooding area, usually ponding, with average depths of 1 to 3 feet. |
| Zone AO | Higher mapped risk | A 1% annual-chance shallow-flooding area, usually sheet flow on sloping terrain, with average depths of 1 to 3 feet. |
| Zone A99 | Higher mapped risk | An area that will be protected from the base flood by a federal flood-protection system that has reached specified progress toward completion. |
| Zone AR | Higher mapped risk | An area affected by a flood-control system that lost accreditation and is being restored to provide base-flood protection. |
| Zone V | Coastal wave risk | A coastal 1% annual-chance floodplain with added hazards from storm-induced waves, without detailed base flood elevations. |
| Zone VE | Coastal wave risk | A coastal 1% annual-chance floodplain with storm-induced wave hazards and base flood elevations determined. |
| Zone X (unshaded) | Lower mapped risk | An area determined to be outside the mapped 0.2% annual-chance floodplain. |
| Zone X (shaded) | Moderate mapped risk | Areas of 0.2% annual-chance flooding; some shallow 1% annual-chance flooding or small drainage areas; and areas with reduced flood risk due to a levee. |
| Zone D | Undetermined risk | An area where flood hazards are possible but have not been determined. |
| Zone B (legacy) | Moderate mapped risk | A legacy label generally corresponding to the moderate-hazard areas now shown as shaded Zone X. |
| Zone C (legacy) | Lower mapped risk | A legacy label generally corresponding to minimal-hazard areas now shown as unshaded Zone X. |
Unshaded and shaded X are different. A lower-risk designation is not a guarantee against flooding. B and C are legacy labels.