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Flood zones are land areas identified by the Federal Emergency Management Agency (FEMA). FEMA flood maps include zones that are broken into several areas. Our good friend, Shelly Clark at Cardinal Surveying, has broken down for us what the zoning means to us consumers. This will really play a factor when it comes down to obtaining home owners insurance during a purchase.

  1. Zone AE. Zone AE is an area that has a 1% probability of flooding each and every year, which is why it is commonly referred to as the “100 year flood plain”.
  2. Zone X (shaded).Zone X shaded is an area that has a 0.2% to 1% probability of flooding each and every year.
  3. Zone X (unshaded).Zone X unshaded is an area that has less than a 0.2% chance of flooding, commonly known as the 500 year flood plain. This area is considered to be at minimal risk of flooding.

Keep in mind that EVERY property is located in a flood zone. It’s just a matter of which flood zone you’re in and whether or not there is any risk associated with being located in that zone. FEMA flood maps include zones that are broken into several areas.

If you are curious to see which flood zone your house is in, give The Alexander Team a call at 314-329-9042.

Shelly Clark with Cardinal Surveying is very informative and knows everything there is to know about land surveying. With a slogan of “Make it KNOWN what you OWN”, we recommend using them for the next home purchase when a survey is needed. To contact Cardinal Surveying either call 636.922.1001, email them questions at Inbox@CardinalSurveying.com, or visit the website at www.CardinalSurveying.com.

To browse for homes on the market visit www.AskHolliD.com.

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