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While flood insurance isnt legally required by the state of Georgia, it may be required by your mortgage lender if your home is in a high-risk flood zone.
Flood zone X, also known as flood zone X500, is arguably the safest flood zone designation, as its considered to be outside the 500-year floodplain and is also protected by a flood control system, such as a levee or dam, from the 100-year floodplain.
Defining AE flood zones Since these areas are prone to flooding, homeowners with mortgages from federally regulated lenders are required to purchase flood insurance through the NFIP.
While flood insurance isnt legally required by the state of Georgia, it may be required by your mortgage lender if your home is in a high-risk flood zone.
Hire a licensed land surveyor, professional engineer, or certified architect. These professionals are able to determine the elevation around the building areas and docHub whether or not the area around the property is under or above the prescribed flood elevation.
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An Elevation Certificate (EC) is an administrative tool used by the NFIP to provide elevation information necessary to ensure compliance with community floodplain management ordinances; to inform mitigation actions that will lower flood risk; and/or support a request for a LOMA to remove a building from a high-risk
AE zones are areas of inundation by the 1-percent- annual-chance flood, including areas with the 2-percent wave runup, elevation less than 3.0 feet above the ground, and areas with wave heights less than 3.0 feet. These areas are subdivided into elevation zones with BFEs assigned.
Hire a licensed land surveyor, professional engineer, or certified architect. These professionals are able to determine the elevation around the building areas and docHub whether or not the area around the property is under or above the prescribed flood elevation.
Zone A: Flood hazard areas inundated by the 100 Year Flood, no base flood elevations determined.
Flood insurance is not required for every home and business in Georgia. However, with about 20% of flood insurance claims coming from a moderate- to low-risk areas, we strongly encourage you to carry flood insurance even if flood insurance is not required for your property.

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