WHAT ARE FLOOD ZONES IN FLORIDA

The question is asked through the year, what are flood zones in Florida? In Florida, flood zones are classified by the Federal Emergency Management Agency (FEMA) and are essential for understanding flood risk, determining insurance requirements and guiding land use planning.

The primary flood zones are classified as Zone A, areas with a one percent annual chance of flooding (100-year flood) and no base flood elevations determined. These zones are typically at a higher risk of flooding. Zone AE which is similar to Zone A, but with no base flood elevations provided. This means there is a defined height that floodwaters are expected to reach during a flood event. Zone V states coastal areas that are at risk of flooding from storm surges and waves. Like zone A, it has a one percent annual chance of flooding. Zone VE relates to coastal areas with wave action that also have base flood elevations. These zones are at the risk of both flooding and wave impacts during severe weather events. Zone X are areas with a low risk off flooding, which can be further divided into Zone X (shaded) for moderate risk and Zone X (shaded) for moderate risk and Zone X (unshaded) for minimal risk. These zones are typically outside the 500-year floodplain. Lastly Zone D are areas where flood zone hazards are undetermined, typically because no flood data is available. 

Florida's geography, with it's extensive coastline, wetlands and susceptibility to hurricanes, makes understanding flood zones particularly important for all residents, property owners and local governments to manage flood risk effectively.

PROTECTING HOME FROM FLOODING 

How to understand protecting home from flooding can reflect on many areas. before purchasing your home, know you flood zone. Your realtor should immediately point this out on any property you desire to purchase. Understand your home's flood zone designation and the associated risks. This information can guide further protective measures. Elevate your home, many new construction homes are built higher than street level. If you live in a high risk area, consider elevating your home above the base flood elevation. This can be done by raising the structure on piers or columns.

Consider installing flood vents, flood vents allow water to flow through the foundation, reducing pressure and minimizing damage to the structure. Use water resistant materials when building or renovating that repel for water damage, such as concrete, brick or treated wood. Remember to seal all foundation cracks, you must inspect or have a home inspector seal all to prevent water from going under slab. 

Improve drainage, ensure gutters and downspouts are free and clear of any obstruction. You can also create a barrier by using sandbags, flood barriers or levees to divert water away from your home during flood events. Maintain landscaping and ensure the sides of home are sloped downward. For basements ensure you have a sump pump to remove any water that can accumulate in basements or crawl spaces to reduce risk of flooding and of course ensure you have flood insurance. Lastly have an emergency kit ready with essential supplies to include food, water, medications and important documents. See your trusted advisor for suggestions to research insurance companies.

TRUSTED ADVISOR 

As a trusted advisor, professional realtor and military veteran I am here to serve you in the Dr. Phillips and the Central Florida housing market whether it is a housing crisis or general question. In the absence of trustworthy and up to date information, real estate decisions are being driven by fear uncertainty and doubt. Always stay in tune and connected in this volatile housing market to purchase or for the sale of your home. As a trusted advisor we drive the real estate community to ensure you are making the right decision.

Part of my job is to keep you informed and educated of the local housing market trends, buying and selling information to include real estate common terms and videos. Don't get confused by the news, they talk national data, I can provide the most up to date and current local area data.

So don't let this shifting housing market delay your dreams, data reveal home values typically over time go up and that gives your net worth a nice boost. When you are looking for a home, look for a realtor with the heart of a teacher. If you are ready to start your journey, contact Kevin Strawter at 850 496-6412 to begin a new walk in homeownership and all your real estate needs. Referrals always welcomed.