That alone may make flood insurance a smart investment. According to FEMA, one inch of water can lead to nearly $27,000 worth of property damage. The extra premium may be worth it during exceptionally rainy years.Īreas that typically don’t see frequently flooding can, over time, develop drainage issues that lead to pooling near homes. This zone’s minimal flood risk is low, so coverage is considerably less expensive than other zones. That said, you may still want to investigate your risk and consider getting a quote. Are homes in Flood Zone X required to have flood insurance?įlood Zone X is not a Special Flood Hazard Area like Flood Zone A or AE, so homeowners with a federally back mortgage aren’t required to get flood insurance. If you’d like to double check your flood zone and BFE, you can search your address via FEMA’s Flood Map Service Center. What is Zone X’s base flood elevation (BFE)?įEMA has not set a BFE for either the shaded or the unshaded Flood Zone X because the area is considered outside of the flood risk region. When Zone X is unshaded, the risk for flood is less than 0.2 % and is protected from 100-year flood by a levee.
FEMA actually has two distinct flood zones with this designation: one shaded and one unshaded What's the difference between shaded and unshaded Flood Zone X?įlood Zone X (shaded) indicates an area where the annual flood risk is between 1% and 0.2%.
Flood Zone X is a designation on a flood map that indicates an area with moderate-to-low risk for floods.
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