types of flood zones
High Flood Risk. AE, A, AH or AO Zone. These properties have a 1 percent chance of flooding in any year and a 26 percent chance of flooding over the life of a 30-year mortgage. VE or V Zone. These properties also have a 1 percent chance of flooding in any year and also face hazards associated with coastal storm waves. Insurance Note: High-risk areas are called Special Flood Hazard Areas, and flood insurance is mandatory for most mortgage holders.*. Low or Moderate Flood Risk.