![]() ![]() Poorly planned development in floodplains can lead to stream-bank erosion, loss of valuable property, increased risk of flooding to downstream properties and degradation of water quality. Floodplains are scenic, valued wildlife habitat, and suitable for farming. Understanding and protecting the natural functions of floodplains helps reduce flood damage and protect resources. Additional Informationįloodplains are a natural component of the City of Charleston environment. Please be advised all work (including painting, interior finishes, etc.) in a Special Flood Hazard Area requires a permit. V-Zone Breakaway Wall Certificate (PDF).You may need to submit the following documents when applying for building and trade permits: Steps to Take if Your New Building Construction or Renovation Is Located in a Flood Zone Zone D: Areas in which flood hazards are undetermined but possible.Zone VE: Coastal flood with velocity hazard (wave action) base flood elevations determined.Zone V: Coastal flood with velocity hazard (wave action) no base flood elevations determined.Zone A99: To be protected from 100-year flood by Federal flood protection system under construction no base flood elevations determined.For areas of alluvial fan flooding, velocities also determined. Zone AO: Flood depths of 1 to 3 feet (usually sheet flow on sloping terrain) average depths determined.Zone AH: Flood depths of 1 to 3 feet ( usually areas of ponding) base flood elevations determined.500 Year Floodplain ( Zone X) 0.2 annual chance of flooding. Zone AE: Base flood elevations determined. Reference Sheet for FEMA Floodplain Terminology.FEMA maintains and updates data through flood maps and risk assessments. Flood maps are one tool that communities use to know which areas have the highest risk of flooding. Zone A: No base flood elevations determined. The National Flood Hazard Layer (NFHL) is a geospatial database that contains current effective flood hazard data. Heavy rains, poor drainage, and even nearby construction projects can put you at risk for flood damage.Zone X: Areas determined to be outside 500-year flood plain.Shaded Zone X: Areas of 500-year flood areas of 100-year flood with average depths of less than 1 foot or with drainage areas less than 1 square mile and areas protected by levees from 100-year flood.Types of Flood Zones Moderate to Low-Risk Areas Zone A The 1 annual chance floodplain, representing the 'base flood' event (aka '100- year flood'). Check the map index for the BFE that corresponds to each zone number. To find out what flood zone your property is located within, FEMA has a searchable map provided for free on their website. Flood Insurance Rate Map (FIRM) Zones A: The base floodplain mapped by approximate methods, i.e., BFEs are not determined. Charleston is also subject to storm surge, flooding from heavy rains and high tides.īeing prepared is your best defense against such events. In addition to saving money on your insurance, these steps can also help prevent damage and give you peace of mind.It is critical to remember that the City of Charleston, being located in the Atlantic Coastal region, is subject to flooding from the Atlantic Ocean as well as inland flooding from rivers and associated tributaries. Zone C may have ponding and local drainage problems that don't warrant a detailed study or designation as base floodplain. These regions lie between the boundaries of the. C and X (unshaded) Area of minimal flood hazard, usually depicted on FIRMs as above the 500year flood level. This can include installing hurricane shutters, grading your property so water moves away from your home and raising your HVAC unit above ground level. Zone X (Shaded): A shaded Zone X represents an area that encounters a 0.2 to 1 chance of flooding annually. Your flood insurance company may give you a discount if you take steps to avoid flooding. Upgrade your home to prevent flooding.X (unshaded), C: Areas of minimal flood hazards outside 0.2-percent-annual-chance floodplain. Note: zone B is being replaced with shaded zone X on new FIRMs. Providing this info to your insurance company might help get you a lower rate. X (shaded), B: Areas of moderate flood hazard between limits of the 1-percent-annual-chance floodplain and the 0.2-percent-annual-chance floodplain. An elevation certificate shows important details about your property, like your flood zone and the height of your lowest floor. That's why you should always choose a deductible amount you know you'll be able to afford in an emergency. Keep in mind that you'll need to pay the deductible before your insurance kicks in. Having a higher deductible will lower the cost of your insurance, because your company won't have to pay as much if your home is damaged by a flood. ![]()
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