If FEMA grants the map amendment or revision request, the property owner may no longer be required to pay flood insurance. This is a formal determination by FEMA of a property's location and/or elevation relative to the Special Flood Hazard Area. If you think the flood map boundaries are incorrect, you can apply for a Letter of Map Change. Base flood elevations derived from detailed analyses are shown at selected intervals within these zones

These areas have a 26% chance of flooding over the life of a 30‐year mortgage. Zone VE - coastal areas with a 1% or greater chance of flooding and an additional hazard associated with storm waves.No base flood elevations are shown within these zones. Zone V - coastal areas with a 1% or greater chance of flooding and an additional hazard associated with storm waves.Zone AE - 100-year floodplain, the base floodplain where base flood elevations are provided.Because detailed analyses are not performed for such areas, no base flood elevations are shown. Zone A - 100-year floodplain, areas with a 1% annual chance of flooding and a 26% chance of flooding over the life of a 30‐year mortgage.High Risk Areas (Special Flood Hazard Area) Each flood zone describes that land area in terms of its risk of. Includes areas of moderate flood hazard, such as base floodplains and shallow flooding areas, and minimal flood hazard, which may still have ponding and local drainage problems. Flood zones are land areas identified by the Federal Emergency Management Agency (FEMA). FEMA Zone Definitions AH, Areas subject to inundation by 1-percent-annual-chance shallow flooding (usually areas of ponding) where average depths are 13 feet. Zone X - Floodplain area with a 0.2% (or 1 in 500 chance) or less annual chance of flooding.To view the effective flood zone for a property or area, visit Hillsborough County’s Effective Flood Zone Viewer.

Talk to your insurance provider about your policy and consider if you need additional coverage. Most homeowners insurances do not cover flood damage. Flood maps, also known as Flood Insurance Rate Maps, provided by the Federal Emergency Management Agency (FEMA) are a useful tool for assessing a property’s flood risk, and also are a factor in flood insurance and building requirements.

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