Flood Hazard Zones (Defined) Zones on the Flood Insurance Rate Map (FIRM) in which the risk premium insurance rates have been established by a Flood Insurance Study (FIS). The following flood hazard zone designations apply: 1 Flood Zone V – Areas along coasts subject o inundation by the 100-year flood event with additional hazards associated with storm-induced waves. Mandatory flood insurance purchase requirements apply, 2 Flood Zones EV and V1-V30 – Areas along coasts subject to inundation by the 100-year flood event with additional hazards due to storm-induced velocity wave action. Mandatory flood insurance purchase requirements apply. (Zone VE is used on new and revised flood maps in place of Zones V1-V30.), 3 Flood Zone A – Areas subject to inundation by the 100-year flood event. Mandatory flood insurance purchase requirements apply, 4 Flood Zones AE and A1-30 – Areas subject to inundation by the 100-year flood event determined by detailed methods. Mandatory flood insurance purchase requirements apply. (Zone AE is used on new and revised maps in place of Zones A1-A30.), 5 Flood Zone AH – Areas subject to inundation by 100-year shallow flooding (usually areas of ponding) where average depths are between one and three feet. Mandatory flood insurance purchase requirements apply: 6 Flood Zone AO – Areas subject to inundation by 100-year shallow flooding (usually sheet flow on sloping terrain) where average depths are between one and three feet. Mandatory flood insurance purchase requirements apply, 7 Flood Zone A99 – Areas subject to inundation by the 100-year flood event, but which will ultimately be protected upon completion of an under construction Federal flood protection system. These are areas of special flood hazard where enough progress has been made on the construction of a protective system, such as dikes, dams, and levees, to consider it complete for insurance rating purposes. Zone A99 may only be used when the flood protection system has reached specified statutory progress toward completion. Mandatory flood insurance purchase requirements apply, 8 Flood Zones B, C and X – Areas identified in the community FIS as areas of moderate or minimal hazard from the principal source of flood in the area. However, buildings in these zones could be flooded by severe, concentrated rainfall coupled with inadequate local drainage systems. Local stormwater drainage systems are not normally considered in the community’s FIS. The failure of a local drainage system creates areas of high flood risk within these rate zones. Flood insurance is available in participating communities but is not required by regulation in these zones. (Zone X is used on new and revised maps in place of Zones B and C.), and 9 Flood Zone D – Unstudied areas where flood hazards are undetermined, but flooding is possible. No mandatory flood insurance purchase requirements apply, but coverage is available in participating communities.