Coastal A Zones are the areas landward of a V Zone. Wave action is expected in V and Coastal A zones, so specific building criteria are required. By law, all homes in high-risk zones carrying a federally-backed mortgage must be covered by flood insurance. High-risk areas, referred to as Special Flood Hazard Areas (SFHA) are shown on the map as zones labeled with the letters A or V. High-risk areas are defined as having a 1% chance of being flooded in any given year, which is also referred to as the 100-year flood or base flood.Each flood zone designation, represented by a letter or letters, tells homeowners what the risk is for flooding at their property over a period of years, regardless of the cause. Flood zones are areas mapped by the Federal Emergency Management Agency (FEMA) for use in the National Flood Insurance Program.Flood hazard means base flood elevation, design flood elevation, flood hazard area or flood zone.Base flood elevation (BFE) means the elevation of a flood having a 1% chance of being equaled or exceeded in any given year, which is commonly referred to as the “100-year flood” or the “one-percent-annual chance flood.”.Know your zone and follow evacuation orders. Evacuation zone maps are based on ground elevation and the area’s vulnerability to storm surge. These maps are used for hurricane preparedness and planning.Įvacuation may be necessary due to the risk of storm surge from tropical storms or hurricanes. Storm surge maps display where flooding will occur when an abnormal rise of water generated by a storm is pushed toward the shore by strong winds. NOTE: Federal requirements for flood insurance are only based on the FEMA FIRM, not the Pinellas County flood maps.įind out what the flood hazard and required development standards are BEFORE you develop your plans. As with the high-risk flood zones on FEMA FIRM maps, these floodplain areas are also considered high-risk areas and are subject to specific development regulations. The FIRM is used to determine building and flood insurance requirements.Ĭounty floodplain maps, developed from detailed watershed and coastal studies, also show areas that have a 1% or greater chance of flooding in any given year.
High-risk areas have a 1% or greater chance of flooding in any given year. You should check them all to understand what your flood risk is.įEMA flood zone maps, known as Flood Insurance Rate Maps (FIRMs), show areas of high and moderate to low flood risk. A home may be located in a non-evacuation zone, yet be located in a high-risk flood zone because of a nearby stream or pond. Flood zones can be low, moderate or high risk.įlood zones, evacuation zones and storm surge are different. They measure different conditions that may not occur at the same time, are determined by different methods and have different purposes. Everyone in Pinellas County is in a flood zone.
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