Flood Zone Statement and Authorization - Georgia 2025

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To learn more about Georgias Flood M.A.P. Program, visit .GeorgiaDFIRM.com. Change from moderate or low flood risk to high-risk (e.g., flood Zone B, C, or X to Zone A, AE, AH, AO, V or VE) Flood insurance is mandatory.
Risks of buying property in a flood zone include:1) Living in a flood zone can decrease your homes value and make it harder to resell,2) costly flood insurance requirement for properties in flood zones, 3) If your home floods, youll have to deal with structural issues and mold infestation,4) Regular hazard
.georgiadfirm.com - The site is very easy to use and contains a great wealth of information for property owners, community officials, and GADNR Program Officials. By typing in an address, one can retrieve a property specific flood risk snapshot which displays flood risk information for the selected property.
AE flood zones are areas that present a 1% annual chance of flooding(opens in new window) and a 26% chance over the life of a 30-year mortgage, ing to FEMA. These regions are clearly defined in Flood Insurance Rate Maps and are paired with detailed information about base flood elevations.
A Policy Declaration page is acceptable evidence of flood insurance.

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Building Regulations in the AE Flood Zone The elevation of your lowest floor must be at or above the zones BFE. 2. You cant use enclosed areas below your lowest floor or the zones BFE as living spaces, including basements.
Zone AE flood insurance policyholders can expect to pay an average of $971 per year as of 2022. Like all forms of insurance, your premiums depend on various factors, such as the value of your property, its contents, and how many policy enhancements you wish to include as part of your package.
While its true that Flood Zone AE is considered a high-risk area, with a 1% annual chance of flooding and a 26% chance over a 30-year mortgage, its not necessarily a deal-breaker. Heres why: Awareness and Preparedness: Properties in higher risk flood zones like AE are often more prepared.

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