![]() Flood insurance is not required, but most properties will qualify for Preferred Risk Policies from the National Flood Insurance ProgramįEMA’s flood maps currently cover only approximately 60 percent of the nation.Low risk is not the same as no risk and homeowners should still be prepared.These zones are higher than the elevation of the 0.2% annual chance of flood. ![]() Low-risk flood zones are labeled Zone C or Zone X (unshaded) on the map Flood insurance is not federally required, but FEMA recommends homeowners take action to protect their homes in these zones.Also referred to as a 500-year flood with a 1 in 500 chance of flood in a given year.These zones have a 0.2% annual chance of flood being equaled or exceeded.Moderate-risk flood zones are labeled Zone B or Zone X (shaded) on the map Flood insurance is mandatory for structures with mortgages from federally regulated or insured lenders. ![]()
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