Special flood hazard area

{
  "id": "MLC-T-INS-000223",
  "term": "Special flood hazard area",
  "field": "Insurance and risk management",
  "term_source": "Special Flood Hazard Area",
  "definitions": [
    "1. An area having special flood, mudflow or flood-related erosion hazards and shown on a Flood Hazard Boundary Map (FHBM) or a Flood Insurance Rate Map (FIRM) Zone A, AO, A1-A30, AE, A99, AH, AR, AR/A, AR/AE, AR/AH, AR/AO, AR/A1-A30, V1-V30, VE or V. For the purpose of determining Community Rating System (CRS) premium discounts, all AR and A99 zones are treated as non-SFHAs.\n\n2. An area having special flood, mudflow or flood-related erosion hazards and shown on a Flood Hazard Boundary Map (FHBM) or a Flood Insurance Rate Map (FIRM) Zone A, AO, A1-A30, AE, A99, AH, AR, AR/A, AR/AE, AR/AH, AR/AO, AR/A1-A30, V1-V30, VE or V. The SFHA is the area where the National Flood Insurance Program's (NFIP's) floodplain management regulations must be enforced and the area where the mandatory purchase of flood insurance applies. For the purpose of determining Community Rating System (CRS) premium discounts, all AR and A99 zones are treated as non-SFHAs.\nNational Flood Insurance Program Requirements\n• 59.1 - Definition of Lowest Floor\n• 60.3 - Floodplain Management Criteria",
    "(SFHA) An area identified by the Federal Emergency Management Agency (FEMA) as having a 1% or greater chance of flooding in any given year, also known as a 100-year flood plain. Properties located within an SFHA are typically subject to mandatory flood insurance purchase requirements if they have a federally backed mortgage. FEMA flood maps delineate these zones."
  ],
  "abbreviation": "SFHA",
  "subject": "National Flood Insurance Program",
  "references": [
    "FloodSmart Flood Insurance Glossary",
    "FEMA Glossary"
  ],
  "url": "https://mlchart.com/terminology/insurance/special-flood-hazard-area/"
}