Challenging flood status is a simple process: The Process of Challenging Flood Status of a Structure in Zone Aįlood status can be challenged to potentially remove a structure from its designated flood zone, to potentially eliminating a mandatory flood insurance requirement. Because detailed hydraulic analyses are not performed for such areas, Zone A does not include Base Flood Elevations (BFE) or depths shown within the zone, whereas Zone AE does include this detail:Ī = Approximate - Zone is determined by approximate methodsĪE = With Elevation - Zone is determined by more detailed methodsĪs you can see in the image below, Zone AE (red) shows approximate Base Flood Elevations at several locations, while Zone A (purple) excludes this data, and is also a more widespread area in an effort to include and therefore cover a more generalized spread of land under the NFIP. The Difference Between Zone A and Zone AEĪs stated above, Zone A corresponds to a 1-percent-annual-chance flood event which was generally determined in the Flood Insurance Study by approximate methods of analysis. It is also commonly referred to as the 100-year flood zone.įor property owners with structures in Flood Zone A, that have federally backed mortgages, mandatory flood insurance purchase requirements apply. About A Zonesįlood Zone A is a Special Flood Hazard Area designated by FEMA to have a 1 percent annual chance of flooding. In fact, we regularly request LOMA’s on A Zones, and often the outcome results in removal from the SFHA. If you have a structure identified within an A zone, don't think challenging this flood status by submitting a Letter of Map Amendment (LOMA) is impossible or unworthy of pursuit. Of the many flood zones that qualify as Special Flood Hazard Areas (SFHA), therefore requiring flood insurance on habitable structures, A Zones were created with less specific data within the floodplain study, offering no official recorded BFE (Base Flood Elevation). Why submitting a LOMA is a worthwhile option.
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