Service Description: Preliminary data are for review and guidance purposes only. By viewing preliminary data and maps, the user acknowledges that the information provided is preliminary and subject to change. Preliminary data, including new or revised Flood Insurance Rate Maps (FIRMs), Flood Insurance Study (FIS) reports, and FIRM Databases, are not final and are presented on the Map Service Center (MSC) as the best information available at this time. Additionally, preliminary data cannot be used to rate flood insurance policies or enforce the Federal mandatory purchase requirement. FEMA will remove preliminary data once effective data are available.
1%-Annual-Chance Flood Hazard: High-risk flood zone that has a 1% chance of flooding in any given year, and a 26% chance of flooding over the life of a 30-year mortgage. This area is also known as the Special Flood Hazard Area (SFHA) or the 100-year floodplain. Flood insurance is required for any building in an SFHA that has a mortgage backed by a federally regulated lender.
0.2%-Annual-Chance Flood Hazard: Moderate-risk flood zone that has a 0.2% chance of flooding in any given year. This area is also known as the 500-year floodplain. Flood insurance is not required for buildings in this flood zone. However, flooding can occur even in areas of moderate or minimal flood hazards. FEMA recommends flood insurance, even if it is not required. It is the best way for people to protect themselves from the major financial losses a flood can cause.
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