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Defining AE flood zones AE flood zones are areas that present a 1% annual chance of flooding and a 26% chance over the life of a 30-year mortgage, according to FEMA. These regions are clearly defined in Flood Insurance Rate Maps and are paired with detailed information about base flood elevations.
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.
Within any floodway area, no new construction or development shall be allowed, unless the appropriate permit is obtained from the Department of Environmental Protection Regional Office.
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.
The planning system does allow new homes to be built in areas at risk of flooding, but only in very specific circumstances. The National Planning Policy Framework advises that development should be directed away from the areas at the greatest risk of flooding.

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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.
There are two types of housing foundations that are best for flood zones pier and beam and pile foundations. With pier and beam foundations, treated wooden stilts rest on strategically placed concrete platforms.
The types of development that can occur within flood zone 3 is not only controlled by the vulnerability of these usages but also if the site is located within flood zone 3a or 3b. Our development flow chart aims to demystify the requirements of a development based on flood zones and if specific uses are acceptable.
Mandatory flood insurance purchase requirements apply. 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.
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.

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