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What  Does  It  Mean  To  Be  In  A  Flood  Zone?

Flood  zones  are  land  areas  identified  by  the  Federal  Emergency  Management Agency (FEMA).  Each  area  of  land  is  mapped  and  labeled  into  a  flood  zone.  FEMA  flood  maps  include  zones that  are  broken  into  several  areas.

Here  are  the most  common  flood  zone  areas  that  you  will  see  in  Missouri:

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  1. Zone  AE.  Zone  AE  is  an  area  that  has  a  1  %  probability  of  flooding  each and  every  year,  which  is  why  it  is  commonly  referred  to  as  the  “100  year flood  plain”.  These  areas  are  considered  to  be  at  high  risk  of  flooding. There  is  a  26%  chance  that  the  property  will  flood  over  the  life  of  a  30  year mortgage.
  2. Zone  X  (shaded).  Zone  X  shaded  is  an  area  that  has  a  0.2%  to  1% probability  of  flooding  each  and  every  year.  This  is  the  area  located between  the  100  year  flood  plain  and  the  500  year  flood  plain.  These areas  are  considered  to  be  at  a  moderate  risk  of  flooding. These  areas are  typically  areas  protected  by  a  levee,  or  an  area  located  near  Zone  AE that  is  very  flat  and  has  less  than  1  foot  of  drainage  depth  per  one  square mile.
  3. Zone  X  (unshaded).  Zone  X  unshaded  is  an  area  that  has  less  than  a 0.2%  chance  of  flooding,  commonly  known  as  the  500  year  flood  plain. This  area  is  considered  to  be  at  minimal  risk  of  flooding.

Keep  in  mind  that  EVERY  property  is  located  in  a  flood  zone.  It’s  just  a  matter of  which  flood  zone  you’re  in  and  whether  or  not  there  is  any  risk  associated  with being  located  in  that  zone.  Working  with  a  professional  Land  Surveyor  is  the  key to  attaining  the  proper  information.  You  can  visit  www.FEMA.gov  for  more information  regarding  FEMA  flood  maps  and  flood  zones.

Cardinal Surveying & MappingShelly Clark is the President of Cardinal Surveying, a family owned land surveying company. The company was established in 2003 and has completed over 10,000 projects spanning the greater St Louis area. Licensed in Missouri, they currently service St Charles, St Louis, Warren, Lincoln, and Jefferson Counties. Cardinal Surveying specializes in residential and commercial surveying, including Boundary Surveys, Surveyor’s Real Property Reports, ALTA Surveys and Elevation Certificates. Rated A+ by the Better Business Bureau for the past 7 years, their service, product, and professionalism are sure to meet every client’s needs. You can contact Shelly at 636-922-1001 or visit the company website at CardinalSurveying.com.

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