Flood Zone X (shaded)
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.
Moderate mapped risk
X (shaded)
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.
Special Flood Hazard Area: noWhat it means for insurance
This zone alone does not trigger the federal Special Flood Hazard Area purchase requirement. A lender may still require flood insurance, and coverage may still be useful.
Your lender can require coverage beyond the federal minimum. Standard homeowners insurance generally does not cover flooding.
Read the insurance rulesHow it appears on a FIRM
Read the subtype and legend. Shaded X can describe several different situations, not only the 0.2% floodplain.
A zone designation applies to the mapped area. Locate the building on the current effective panel before drawing conclusions from an address marker.
Published insurance cost context
A verified individual-zone premium range is not available. A zone alone does not determine current NFIP pricing under Risk Rating 2.0.
Get a quote for the specific building, coverage and deductible. FEMA’s pricing uses property risk factors beyond the flood zone.
How to question a designation
Check the current effective map and any letters of map change. If natural ground or the structure meets FEMA’s criteria, a Letter of Map Amendment may be appropriate. A qualified surveyor and your local floodplain administrator can explain the evidence needed.
Read the map-change guideQuestions about Zone X (shaded)
What does flood zone X (shaded) mean?
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.
Does zone X (shaded) require flood insurance?
This zone alone does not trigger the federal Special Flood Hazard Area purchase requirement. A lender may still require flood insurance, and coverage may still be useful.
Is zone X (shaded) good or bad?
The zone describes a mapped hazard category. Review the effective map, the building location and your insurance needs; a zone is not a complete property risk assessment.
How much does flood insurance cost in zone X (shaded)?
A zone alone does not determine a current NFIP premium. Risk Rating 2.0 also considers the building and its flood-risk characteristics. Published national group averages are context, not a property quote.
Can my zone change?
An updated map or an official letter of map change can alter a designation. A Letter of Map Amendment usually requires evidence that natural ground or the structure is above the applicable flood elevation. Check with FEMA and your local floodplain administrator.