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Moderate- to low-risk flood areas are designated with the letters B, C, and X on FEMA flood maps.
In these areas, the risk of being flooded is reduced, but not completely removed. One in three insurance claims come from moderate- to low-risk flood areas.
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High-risk flood areas begin with the letters A or V on FEMA flood maps.
These areas face the highest risk of flooding. If you own a property in a high-risk zone and have a federally backed mortgage, you are required to purchase flood insurance as a condition of that loan.
| What Flood Zone Am I In? (2024)
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