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Zone A is the flood insurance rate zone that corresponds to the I-percent annual chance floodplains that are determined in the Flood Insurance Study by approximate methods of analysis. Because detailed hydraulic analyses are not performed for such areas, no Base Flood Elevations or depths are shown within this zone.
Q: Can I build on property in a floodplain? A: Yes. However, floodplain development restrictions apply to grading, new construction and some renovations.
Flood Zone AE is also a high-risk flood zone or high-risk area, similar to Flood Zone A, but with more detailed information available. It includes areas subject to inundation by the 1% annual chance flood or 100-year floodplain area with BFEs provided by FEMAs Flood Insurance Study (FIS).
Zones A, AE, AH, AO, AR and A99 are high-risk flood areas, due to proximity to a pond, stream, river or protective barrier under construction.
Flood Zone A: Special flood hazard area with no base flood elevation determined. Flood Zone A1-30 and AE: Special flood hazard area with base flood elevations determined.
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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, ing to FEMA. These regions are clearly defined in Flood Insurance Rate Maps and are paired with detailed information about base flood elevations.
Because these zones are on a 100-year floodplain, they are labeled as Special Flood Hazard Areas (SPHA). This makes flood insurance mandatory for anyone with a federally backed-mortgage.

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