To learn more about acquiring a flood survey and/or elevation survey for your property call us at (954) 585-0997. To search if your property may be in a FEMA designated flood zone visit the FEMA Flood Zone Map link for more information. Federal Emergency Management Agency (FEMA) reports that flood insurance savings earned by following its flood guidelines average $90,000 over the span of 10 years. While some are hesitant to spend the money to acquire such a certification, the U.S. In order to determine whether a property is located within a flood zone, the property must have flood certification. Elevation certificates for construction properties are available and help determine if a property is located within a designated flood zone. This service is also provided to individuals that have been required to purchase flood insurance at the request of a lender. These surveys are required to ensure that all new buildings adhere to proper flood, elevation, and building requirements. These Flood Hazard Areas are broken down and labelled within seventeen different zones: Zone Aįlood surveys and elevation surveys are two popular services provided by Stoner & Associates. Outside of these zones are the higher elevation zones which fall outside of the 0.2-percent annual flood probability know as Zone C or Zone X. The 1-percent annual chance flood is also referred to as the base flood or 100-year flood while the 0.2-percent annual chance flood is referred to as the 500-year flood. SFHA are defined as the area that will be inundated by the flood event having a 0.2 percent to 1-percent chance of being equaled or exceeded in any given year. Since flood zones can change, it is important to fully understand FEMA guidelines and current flood maps.įlood hazard areas in Florida can be identified on the FEMA Flood Insurance Rate Map as a Special Flood Hazard Area (SFHA). Therefore, it is always strongly recommended that commercial property owners brush up on their understanding of flood zones and the impact they can have on flood insurance and overall flood risk.įlood zones and elevation requirements are implemented and regulated through various government programs in order to ensure that property owners are protected from the threat of material and financial loss due to flood conditions. Zone X is the designation for B and C Zones and is used in place of these zones on some maps. Florida is well documented as a geographical region that can experience significant weather and flooding issues. These zones may be lightly shaded or unshaded on the FIRM.
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