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Renee Chapple

Miami FEMA Flood Map Zones

By September 3, 2013

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Federal Emergency Management Agency (FEMA) flood maps are critical for determining whether your property lies in an area at high risk for flood. The maps, available online, classify properties into five categories:
  • Zone A is the flood insurance rate zone determined by approximate methods, as no Base Flood Elevations (BFEs) are available for these areas. Mandatory flood insurance purchase requirements apply.
  • Zone AE is the flood insurance rate zone that corresponds with flood depths greater than 3 feet. Mandatory flood insurance purchase requirements apply.
  • Zone AH is the flood insurance rate zone that corresponds to areas of shallow flooding with average depths between 1 and 3 feet. Mandatory flood insurance purchase requirements apply.
  • Zone VE is the flood insurance rate zone that corresponds to coastal areas that have additional hazards associated with storm waves. Mandatory flood insurance requirements apply.
  • Zone X and Zone X-500 are flood insurance rate zones that are outside the flood plain or with average flood depths of less than 1 foot. Flood insurance purchase is not mandatory.
Read more: What You Should Know About Miami Flood Insurance
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