Flooding is a prevalent and costly natural disaster in the US, with future climate change anticipated to increase flood-prone areas by fifty percent this century. Understanding flood zone designations is crucial for homeowners and buyers. Special Flood Hazard Areas (SFHAs) and Coastal High Hazard Areas (CHHAs) face a 1% chance of flooding annually, necessitating flood insurance. Moderate and minimal risk zones can still experience flooding, making flood risk assessment imperative before home purchase or rental.
Flooding is one of the most common - and most expensive - natural disasters in the US. As climate change leads to rising sea levels and extreme weather events, the number of flood-prone areas in the country is expected to grow by half within this century.
Special Flood Hazard Areas (SFHAs) are the highest risk flood zones with over a 1% chance of flooding annually, requiring flood insurance for properties in zones beginning with A.
Flood Factor measures the level of flood risk on a scale of 1 to 10, helping buyers assess homes in flood-prone areas before purchasing.
Moderate and minimal risk zones B, X, and C are considered low- to moderate-risk flood zones where flood insurance isn't required, although flooding can still happen.
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