What is a 100-Year Flood Zone or Special Flood Hazard Area (SFHA)?

The land area covered by the floodwaters of the base flood (a flood having a 1% chance of occurring in any given year) is the Special Flood Hazard Area on National Flood Insurance Program (NFIP) maps. A high-risk flood zone is called a Special Flood Hazard Area (SFHA). It's also known as the 1% annual chance floodplain, commonly referred to as the "100-year floodplain." The 100-year flood is a standard used by the NFIP for floodplain management and to determine the need for flood insurance. Development may take place within the SFHA, provided that development complies with local floodplain management ordinances, which must meet the minimum Federal requirements. Flood insurance is required for insurable structures within high-risk areas to protect Federal financial investments and assistance used for acquisition and/or construction purposes within communities participating in the NFIP.

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1. What does FEMA stand for?
2. What is a flood?
3. What is a floodplain?
4. What is the National Flood Insurance Program (NFIP)?
5. How does the National Flood Insurance Program (NFIP) benefit the community?
6. What is the Community Rating System (CRS)?
7. What is a 100-Year Flood Zone or Special Flood Hazard Area (SFHA)?
8. What is a Flood Insurance Rate Map (FIRM)?
9. What is a base flood elevation (BFE)?
10. What are my odds of flooding within a 100-year floodplain?
11. How do I know if I am in a flood zone?
12. My house is in a floodplain - what do I need to know?
13. Who has to buy flood insurance?
14. What is Pre-FIRM and Post-FIRM?
15. What is an Elevation Certificate?
16. Who can prepare an Elevation Certificate?
17. Why should I have an Elevation Certificate for my property?
18. What is a Letter of Map Change (LOMC)?
19. What are the different types of LOMC?
20. How long does it take to obtain a Letter of Map Amendment (LOMA), Letter of Map Revision (LOMR), or physical map revision?
21. My mortgage company has informed me that my house is in a floodplain and that I will be required to purchase flood insurance - what do I need to know?
22. What is floodplain management?
23. Where can I find more information about the Federal Emergency Management Agency (FEMA) and the National Flood Insurance Program (NFIP)?