Flood Zone Statement and Authorization - North Carolina 2025

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The document is a Flood Zone Statement and Authorization that requires sellers to disclose whether the property is located in a flood-prone area as defined by the National Flood Insurance Act of 1968. Buyers acknowledge their awareness of the property's flood zone status and agree to obtain necessary flood hazard insurance if the property is later determined to be in a flood-prone area.

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Can you build in AE flood zone, NC?

Communities usually require new and substantially improved buildings in Zone AE and Zone X (FUTURE) areas to be elevated to or above the future conditions flood elevation. These buildings will continue to be protected as more development occurs and floods become more severeand flood insurance will cost less.

What does flood zone AE mean in North Carolina?

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.

Is flood zone AE the same as Zone A?

Zone A Areas with a 1% annual chance of flooding and a 26% chance of flooding over the life of a 30‐year mortgage. Because detailed analyses are not performed for such areas; no depths or base flood elevations are shown within these zones. Zone AE The base floodplain where base flood elevations are provided.

Should I buy a home in an AE flood zone?

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: Should I skip AE homes? No26% flood risk over 30 years is manageable with insurance and mitigation.

Can you build on flood zone AE?

Yes, you can build in the 100-year floodplain, but its crucial to get an elevation certificate and build above the base flood elevation (BFE). This reduces flood risk, lowers insurance costs, and ensures compliance with local regulations. What are the construction requirements?

How do I get out of AE flood zone?

Paying for insurance can be expensive, but thankfully property owners and renters have the option to petition FEMA to remove your home from a high-risk flood zone designation. The several different types of petitions are collectively called Letters of Map Change (LOMC).

Should I buy a house in an AE flood zone?

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.

Flood Zone Statement and Authorization - North Carolina 2025

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