![]() Whether you’re looking to buy a new home, renovate your existing property or enhance your water damage protection, consulting FEMA’s flood maps is essential for warding off potential losses. All electrical, plumbing and HVAC equipment must be elevated to or above the area’s BFE. Enclosed areas below the BFE or lowest floor cannot be used as living spaces.ģ. The elevation of the lowest floor in a structure must be at or above the zone’s base flood elevation.Ģ. Regardless of the region-specific conditions, building in one of these high-risk zones comes with numerous regulations laid out by the American Society of Civil Engineers:ġ. are most concerned with flash flooding and hurricanes. In contrast, AE flood zones along the eastern coast of the U.S. For example, AE flood zones located near the Great Lakes are at risk when high water levels are combined with extreme winds that push waves onshore, according to research from FEMA. No two AE flood zones are completely identical, as each region has its own anticipated BFE and sources of flooding. ![]() Since these areas are prone to flooding, homeowners with mortgages from federally regulated lenders are required to purchase flood insurance through the NFIP. ![]() Most AE flood zones are located in close proximity to floodplains, rivers and lakes, though low-lying regions without large bodies of water may also be classified under this designation. These regions are clearly defined in Flood Insurance Rate Maps and are paired with detailed information about base flood elevations. But what is an AE flood zone and how does it differ from other at-risk districts?ĪE flood zones are areas that present a 1% annual chance of flooding and a 26% chance over the life of a 30-year mortgage, according to FEMA. Unlike other regions, AE flood zones have a lot of available data concerning BFEs, floodways and flood insurance requirements. Now that we’ve covered the basics, it may be useful to dive a bit deeper into one of the most high-risk flood zone types that FEMA monitors: Zone AE. Without a floodway, some communities would be inundated with floodwaters due to higher upstream flood elevations.
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