WTG Flood Zone Determination Reports utilize a combination of superior data and expert analysis to help lenders, investors and real estate professionals confirm or challenge official flood zone status, thereby challenging and potentially removing flood insurance requirements on properties secured with federally backed loans.Įach report has clear mapping detail that shows the pinpoint-accurate structure location as it exists on FEMA’s map, with a clear overlay of color-coded Flood Zones. Also known as “X (shaded)” or “500-year floodplain”. Zone X 0.2% (Old B): Areas of 0.2% annual chance of flood. Zone X (Old C): Areas determined to be outside the 0.2% annual chance floodplain. Zone VE (Old V1-V30): Coastal flood zone with velocity hazard (wave action) BFE determined. For areas of alluvial fan flooding, velocities also determined. Zone AO: Flood Depths of 1-3 feet (ares of sheet flow on sloping terrain). Zone AH: Flood Depths of 1-3 feet (areas of ponding), usually shallow flooding. Zone AE (Old A1-A30): Detailed study, BFE determined. Zone A: Approximate Zone, no Base Flood Elevation (BFE) determined. Often referred to as the “100-Year Flood”, which frequently causes confusion.īase Flood Elevation is the elevation, above sea level, at which Base Flood will inundate. All SFHA’s are flood zones, not all flood zones are SFHA's.īase Flood is the area where flood has a 1% chance of being equaled or exceeded in any given year. Sometimes the SFHA is casually referred to as the “Flood Zone”, but these terms shouldn’t be confused. This is where flood insurance may be required depending on structure location. Some important points and definitions to know:Ī Flood Zone is any zone delineated on a FEMA Flood Insurance Rate Map (FIRM)Ī Special Flood Hazard Area (SFHA) is a high risk flood zone, and is the land area covered by the base flood on a FIRM. The different zones illustrate whether you live in a high-risk, low-risk, or moderate-risk flood zone. Everyone lives in an area with some flood risk-it’s just a question of what level of risk is present. Poorly planned development in floodplains can lead to stream-bank erosion, loss of valuable property, increased risk of flooding to downstream properties and degradation of water quality.Everyone is in a Flood Zone, Not Everyone is in a Special Flood Hazard Area.Įvery property is mapped within a flood zone of some kind. Floodplains are scenic, valued wildlife habitat, and suitable for farming. Understanding and protecting the natural functions of floodplains helps reduce flood damage and protect resources. Additional Informationįloodplains are a natural component of the City of Charleston environment. Please be advised all work (including painting, interior finishes, etc.) in a Special Flood Hazard Area requires a permit. (Zone X (unshaded) is used on new and revised maps in place of. V-Zone Breakaway Wall Certificate (PDF) No BFEs or base flood depths are shown within these zones.You may need to submit the following documents when applying for building and trade permits: Steps to Take if Your New Building Construction or Renovation Is Located in a Flood Zone Zone D: Areas in which flood hazards are undetermined but possible.Zone VE: Coastal flood with velocity hazard (wave action) base flood elevations determined.Zone V: Coastal flood with velocity hazard (wave action) no base flood elevations determined.Zone A99: To be protected from 100-year flood by Federal flood protection system under construction no base flood elevations determined.Zone AO: Flood depths of 1 to 3 feet (usually sheet flow on sloping terrain) average depths determined. Zone AH: Flood depths of 1 to 3 feet ( usually areas of ponding) base flood elevations determined.Zone AE: Base flood elevations determined.Zone A: No base flood elevations determined.Zone X: Areas determined to be outside 500-year flood plain.Shaded Zone X: Areas of 500-year flood areas of 100-year flood with average depths of less than 1 foot or with drainage areas less than 1 square mile and areas protected by levees from 100-year flood.Types of Flood Zones Moderate to Low-Risk Areas To find out what flood zone your property is located within, FEMA has a searchable map provided for free on their website. Charleston is also subject to storm surge, flooding from heavy rains and high tides.īeing prepared is your best defense against such events. It is critical to remember that the City of Charleston, being located in the Atlantic Coastal region, is subject to flooding from the Atlantic Ocean as well as inland flooding from rivers and associated tributaries.
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