This designation refers to an area within a community’s floodplain that presents a moderate flood risk. Characterized by a 0.2% annual chance of flooding, it also encompasses areas subject to the 1% annual chance of flooding with average depths of less than one foot or with drainage areas less than one square mile. Properties located within this zone are considered to have a reduced, though not negligible, risk of inundation compared to higher-risk zones.
Understanding this specific flood zone classification is important for several reasons. It informs property owners and potential buyers about the potential for flood damage, impacting property values and insurance requirements. Historically, this designation arose from efforts to delineate flood risks more precisely and provide a tiered approach to mitigation strategies. Accurate floodplain mapping and zoning enable communities to develop effective strategies to protect property and residents from the effects of flooding.
