These areas have a 26% chance of flooding over the life of a 30 ‐ year mortgage. Because detailed analyses are not performed for such areas no depths or base flood elevations are shown within these zones.ĪE - The base floodplain where base flood elevations are provided.ĪH - Areas with a 1% annual chance of shallow flooding, usually in the form of a pond, with an average depth ranging from 1 to 3 feet. The SFHA designations which appear within Bay County are explained further below.Ī - Areas with a 1% annual chance of flooding and a 26% chance of flooding over the life of a 30 year mortgage. The areas of minimal flood hazard, which are the areas outside the SFHA and higher than the elevation of the 0.2-percent-annual-chance flood, are labeled Zone C or Zone X (unshaded). Moderate flood hazard areas, labeled Zone B or Zone X (shaded) are also shown on the FIRM, and are the areas between the limits of the base flood and the 0.2-percent-annual-chance (or 500-year) flood. SFHAs are labeled as Zone A, Zone AO, Zone AH, Zones A1-A30, Zone AE, Zone A99, Zone AR, Zone AR/AE, Zone AR/AO, Zone AR/A1-A30, Zone AR/A, Zone V, Zone VE, and Zones V1-V30. The 1-percent annual chance flood is also referred to as the base flood or 100-year flood. SFHA are defined as the area that will be inundated by the flood event having a 1-percent chance of being equaled or exceeded in any given year.
Flood hazard areas identified on the Flood Insurance Rate Map are identified as a Special Flood Hazard Area (SFHA).
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