You do not have to live in a high risk flood zone to experience damage, 25 percent of flood insurance claims come from low or medium risk communities. (ftmyers2.greatflorida.com)
The Federal Emergency Management Association (FEMA) defines a high risk flood zone as an area where there is a one in four chance of heavy flooding during a 30 year mortgage. (trustedchoice.com)
The Base Flood Elevation, or BFE shown on the Flood Insurance Rate Map (FIRM) for high - risk flood zones indicates the water surface elevation resulting from a flood that has a one percent chance of equaling or exceeding that level in any given year. (themortgagereports.com)