Elements that May Be Found on All Panels: Flood Insurance Risk Zone Designations – SFHA Zones A and V

The zone designations indicate the magnitude of the flood hazard in specific areas of a community.

A Special Flood Hazard Area (SFHA) is defined as the area that will be inundated by the flood event having a 1-percent chance of being equaled or exceeded in any given year.

SFHAs are labeled as:

  • Zone A
  • Zone AE and Zones A1-30
  • Zone AO
  • Zone AH
  • Zone AR, AR/A1-30, AR/AE, AR/AH, AR/AO, and AR/A
  • Zone A99

SFHAs subject to coastal high hazard flooding are designated V Zones:

  • Zone V
  • Zone VE and Zones V1-30
Flood map with ZONE A, ZONE AE, and ZONE A highighted