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What are Zone AE, Zone A, and Zone X on the FIRM maps?

Zone AE are areas that have a 1% probability of flooding every year (also known as the 100-year floodplain), and where predicted flood water elevations above mean sea level have been established.  Properties in Zone AE are considered to be at high risk of flooding under the National Flood Insurance Program (NFIP).  Flood insurance is required for all properties in Zone AE that have federal-backed mortgages.  Construction in these areas must meet local floodplain zoning ordinance requirements, including evidence that principle structures are above the Base Flood Elevation (BFE) as shown on the adopted FIRM maps.

Zone A are areas that have a 1% probability of flooding every year (also known as the 100-year flood), and where predicted flood water elevations have not been established.  Properties in Zone A are considered to be at high risk of flooding under the National Flood Insurance Program (NFIP).  Flood insurance is required for all properties in Zone A that have federally-backed mortgages.  Construction in these areas must meet local floodplain zoning ordinance requirements.  New construction in Zone A areas may also require submission of engineering cross-sections of the waterway to determine Base Flood Elevations and floodway and flood fringe boundaries.

Shaded Zone X are areas that have a 0.2% probability of flooding every year (also known as the 500-year floodplain).  Properties in Shaded Zone X are considered to be at moderate risk of flooding under the National Flood Insurance Program.  Flood insurance is not required for properties in Zone X.  Local floodplain zoning ordinances do not apply to Zone X.

Unshaded Zone X are areas that are above the 0.2% flood elevation.  Properties in unshaded Zone X are considered to be at low risk of flooding under the National Flood Insurance Program.  Flood insurance is not required for properties in Zone X.  Local floodplain zoning ordinances do not apply to Zone X.

 
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209 S. Saint Marie St.   Wautoma, WI 54982      
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