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<DIV STYLE="text-align:Left;"><DIV><DIV><P STYLE="font-weight:bold;"><SPAN>What is a Flood Insurance Rate Map (FIRM)?</SPAN></P><P><SPAN /></P><P><SPAN>A Flood Insurance Rate Map (FIRM) is an official map of a community on which</SPAN></P><P><SPAN>FEMA has delineated both the special hazard areas and the risk premium zones</SPAN></P><P><SPAN>applicable to the community.</SPAN></P><P /><P STYLE="font-weight:bold;"><SPAN><SPAN>What flood hazard zones are shown on the FIRM and</SPAN></SPAN></P><P STYLE="font-weight:bold;"><SPAN><SPAN>what do they mean?</SPAN></SPAN></P><P /><P><SPAN><SPAN>Several areas of flood hazard are commonly identified on the DFIRM and</SPAN></SPAN></P><P><SPAN><SPAN>FIRM. One of these areas is the SFHA, which is defined as the area that would</SPAN></SPAN></P><P><SPAN><SPAN>be inundated by the flood event having a 1 percent chance of being equaled or</SPAN></SPAN></P><P><SPAN><SPAN>exceeded in any given year. The 1-percent-annual-chance flood is also referred</SPAN></SPAN></P><P><SPAN><SPAN>to as the “base flood.” SFHAs are labeled as Zone A, Zone AO, Zone AH, Zones</SPAN></SPAN></P><P><SPAN><SPAN>A1–A30, Zone AE, Zone 99, Zone AR, Zone AR/AE, Zone AR/AH, Zone AR/AO,</SPAN></SPAN></P><P><SPAN><SPAN>Zone AR/A1–A30, Zone AR/A, Zone V, Zone VE, and Zones V1–V30. Moderate</SPAN></SPAN></P><P><SPAN><SPAN>flood hazard areas, labeled Zone B, are also shown on the FIRM or DFIRM and are</SPAN></SPAN></P><P><SPAN><SPAN>the areas between the limits of the base flood and the 0.2-percent-annual-chance</SPAN></SPAN></P><P><SPAN><SPAN>flood. The areas of minimal flood hazard, which are the areas outside the SFHA</SPAN></SPAN></P><P><SPAN><SPAN>and higher than the elevation of the 0.2-percent-annual-chance flood, are labeled</SPAN></SPAN></P><P><SPAN><SPAN>Zone C. On new and revised maps, Zone X is used in place of Zones B and C. An</SPAN></SPAN></P><P><SPAN><SPAN>unshaded Zone X holds the same meaning as the labeled Zone B. A shaded Zone</SPAN></SPAN></P><P><SPAN><SPAN>X can mean any of the following: the area is in the 0.2 floodplain; is protected</SPAN></SPAN></P><P><SPAN><SPAN>by a levee; is subject to inundation by a flood event having a 1 percent chance of</SPAN></SPAN></P><P><SPAN><SPAN>reaching less than a 1.0-foot depth; is subject to inundation by a 1-percent-annualchance</SPAN></SPAN></P><P><SPAN><SPAN>flood within an area of less than 1 square mile; or is subject to inundation</SPAN></SPAN></P><P><SPAN><SPAN>by a 1-percent-annual-chance flood determined using future conditions. The</SPAN></SPAN></P><P><SPAN><SPAN>definitions for the various flood hazard areas are below.</SPAN></SPAN></P><P /><P><SPAN STYLE="font-weight:bold;"><SPAN>Zone V:</SPAN></SPAN><SPAN><SPAN> Primary frontal dunes and areas along coasts subject to inundation by</SPAN></SPAN></P><P><SPAN><SPAN>the 1-percent-annual-chance flood event with additional hazards associated with</SPAN></SPAN></P><P><SPAN><SPAN>storm-induced waves. Because detailed coastal analyses have not been performed,</SPAN></SPAN></P><P><SPAN><SPAN>no BFEs or flood depths are shown. Mandatory flood insurance purchase</SPAN></SPAN></P><P><SPAN><SPAN>requirements apply.</SPAN></SPAN></P><P /><P><SPAN STYLE="font-weight:bold;"><SPAN>Zones VE and V1–V30:</SPAN></SPAN><SPAN><SPAN> Primary frontal dunes and areas along coasts subject to</SPAN></SPAN></P><P><SPAN><SPAN>inundation by the 1-percent-annual-chance flood event with additional hazards</SPAN></SPAN></P><P><SPAN><SPAN>due to storm-induced velocity wave action. BFEs derived from detailed hydraulic</SPAN></SPAN></P><P><SPAN><SPAN>coastal analyses are shown within these zones. Mandatory flood insurance</SPAN></SPAN></P><P><SPAN><SPAN>purchase requirements apply. Zone VE is used on new and revised maps in place of</SPAN></SPAN></P><P><SPAN><SPAN>Zones V1–V30.</SPAN></SPAN></P><P /><P><SPAN STYLE="font-weight:bold;"><SPAN>Zone A:</SPAN></SPAN><SPAN><SPAN> Areas subject to inundation by the 1-percent-annual-chance flood event.</SPAN></SPAN></P><P><SPAN><SPAN>Because detailed hydraulic analyses have not been performed, no BFEs or flood</SPAN></SPAN></P><P><SPAN><SPAN>depths are shown. Mandatory flood insurance purchase requirements apply.</SPAN></SPAN></P><P /><P><SPAN STYLE="font-weight:bold;"><SPAN>Zones AE and A1–A30:</SPAN></SPAN><SPAN><SPAN> Areas subject to inundation by the 1-percent-annual-chance</SPAN></SPAN></P><P><SPAN><SPAN>flood event determined by detailed methods. BFEs are shown within these zones.</SPAN></SPAN></P><P><SPAN><SPAN>Mandatory flood insurance purchase requirements apply. (Zone AE is used on new</SPAN></SPAN></P><P><SPAN><SPAN>and revised maps in place of Zones A1–A30.)</SPAN></SPAN></P><P /><P><SPAN STYLE="font-weight:bold;"><SPAN>Zone AH:</SPAN></SPAN><SPAN><SPAN> Areas subject to inundation by 1-percent-annual-chance shallow flooding</SPAN></SPAN></P><P><SPAN><SPAN>(usually areas of ponding) where average depths are 1–3 feet. BFEs derived from</SPAN></SPAN></P><P><SPAN><SPAN>detailed hydraulic analyses are shown in this zone. Mandatory flood insurance</SPAN></SPAN></P><P><SPAN><SPAN>purchase requirements apply.</SPAN></SPAN></P><P /><P><SPAN STYLE="font-weight:bold;"><SPAN>Zone AO:</SPAN></SPAN><SPAN><SPAN> Areas subject to inundation by 1-percent-annual-chance shallow flooding</SPAN></SPAN></P><P><SPAN><SPAN>(usually sheet flow on sloping terrain) where average depths are 1–3 feet. Average</SPAN></SPAN></P><P><SPAN><SPAN>flood depths derived from detailed hydraulic analyses are shown within this zone.</SPAN></SPAN></P><P><SPAN><SPAN>Mandatory flood insurance purchase requirements apply.</SPAN></SPAN></P><P /><P><SPAN STYLE="font-weight:bold;"><SPAN>Zone A99:</SPAN></SPAN><SPAN><SPAN> Areas subject to inundation by the 1-percent-annual-chance flood event,</SPAN></SPAN></P><P><SPAN><SPAN>but which will ultimately be protected upon completion of an under-construction</SPAN></SPAN></P><P><SPAN><SPAN>Federal flood protection system. These are areas of special flood hazard where</SPAN></SPAN></P><P><SPAN><SPAN>enough progress has been made on the construction of a protection system, such</SPAN></SPAN></P><P><SPAN><SPAN>as dikes, dams, and levees, to consider it complete for insurance rating purposes.</SPAN></SPAN></P><P><SPAN><SPAN>Zone A99 may be used only when the flood protection system has reached</SPAN></SPAN></P><P><SPAN><SPAN>specified statutory progress toward completion. No BFEs or flood depths are</SPAN></SPAN></P><P><SPAN><SPAN>shown. Mandatory flood insurance purchase requirements apply.</SPAN></SPAN></P><P /><P><SPAN STYLE="font-weight:bold;"><SPAN>Zone AR:</SPAN></SPAN><SPAN><SPAN> Areas that result from the decertification of a previously accredited</SPAN></SPAN></P><P><SPAN><SPAN>flood protection system that is determined to be in the process of being</SPAN></SPAN></P><P><SPAN><SPAN>restored to provide base flood protection. Mandatory flood insurance purchase</SPAN></SPAN></P><P><SPAN><SPAN>requirements apply.</SPAN></SPAN></P><P /><P><SPAN STYLE="font-weight:bold;"><SPAN>Zones AR/AE, AR/AH, AR/AO, AR/A1–A30, and AR/A:</SPAN></SPAN><SPAN><SPAN> Dual flood zones that,</SPAN></SPAN></P><P><SPAN><SPAN>because of the risk of flooding from other water sources that the flood protection</SPAN></SPAN></P><P><SPAN><SPAN>system does not contain, will continue to be subject to flooding after the flood</SPAN></SPAN></P><P><SPAN><SPAN>protection system is adequately restored. Mandatory flood insurance purchase</SPAN></SPAN></P><P><SPAN><SPAN>requirements apply.</SPAN></SPAN></P><P /><P><SPAN STYLE="font-weight:bold;"><SPAN>Zones B, C, and X:</SPAN></SPAN><SPAN><SPAN> Areas identified in a community’s FIS as areas of moderate or</SPAN></SPAN></P><P><SPAN><SPAN>minimal hazard from the principal source of flood in the area. However, buildings</SPAN></SPAN></P><P><SPAN><SPAN>in these zones could be flooded by severe, concentrated rainfall coupled with</SPAN></SPAN></P><P><SPAN><SPAN>inadequate local drainage systems. Local stormwater drainage systems are not</SPAN></SPAN></P><P><SPAN><SPAN>normally considered in a community’s FIS. The failure of a local drainage system</SPAN></SPAN></P><P><SPAN><SPAN>creates areas of high flood risk within these rate zones. Flood insurance is available</SPAN></SPAN></P><P><SPAN><SPAN>in participating communities but is not required by regulation in these zones.</SPAN></SPAN></P><P><SPAN><SPAN>Zone X is used on new and revised maps in place of Zones B and C.</SPAN></SPAN></P><P /><P><SPAN STYLE="font-weight:bold;"><SPAN>Zone D:</SPAN></SPAN><SPAN><SPAN> Unstudied areas where flood hazards are undetermined, but flooding</SPAN></SPAN></P><P><SPAN><SPAN>is possible. No mandatory flood insurance purchase requirements apply, but</SPAN></SPAN></P><P><SPAN>coverage is available in participating communities.</SPAN></P><P><SPAN /></P><P><SPAN /></P></DIV></DIV></DIV>
insurance
rate
rates
peoria
flood
peoria county
illinois
DFIRM
FIRM
maps
zone
zones
hazard
SFHA
FEMA
floodplain
1980 digital flood insurance rate maps (DFIRM).
Federal Emergency Management Agency (FEMA)
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