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3 IDENTIFYING HAZARDS<br />

Zones X, B, and C. These zones identify areas outside the SFHA. Zone B and shaded Zone X-500 identify<br />

areas subject to inundation by the flood that has a 0.2-percent chance of being equaled or exceeded during<br />

any given year, often referred to as the 500-year flood. Zone C and unshaded Zone X identify areas outside<br />

the 500-year floodplain. Areas protected by accredited levee systems are mapped as shaded Zone X.<br />

TERMINOLOGY<br />

SPECIAL FLOOD HAZARD AREA (SFHA) defines an area with a 1-percent chance, or greater, of<br />

flooding in any given year. This is commonly referred to as the extent of the 100-year floodplain.<br />

COASTAL SFHA is the portion of the SFHA where the source of flooding is coastal surge or<br />

inundation. It includes Zone VE and <strong>Coastal</strong> A Zone.<br />

ZONE VE is that portion of the coastal SFHA where base flood wave heights are 3 feet or greater, or<br />

where other damaging base flood wave effects have been identified, or where the primary frontal dune<br />

has been identified.<br />

COASTAL A ZONE (MoWA AREA) is that portion of the coastal SFHA referenced by building<br />

codes and standards, where base flood wave heights are between 1.5 and 3 feet, and where wave<br />

characteristics are deemed sufficient to damage many NFIP-compliant structures on shallow or solid wall<br />

foundations.<br />

MiWA AREA is that portion of the <strong>Coastal</strong> SFHA where base flood wave heights are less than 1.5 feet.<br />

LiMWA is the boundary between the MoWA and the MiWA.<br />

RIVERINE SFHA is that portion of the SFHA mapped as Zone AE and where the source of flooding is<br />

riverine, not coastal.<br />

ZONE AE is the portion of the SFHA not mapped as Zone VE. It includes the MoWA, the MiWA, and the<br />

Riverine SFHA.<br />

3.6.3 FIRMs, DFIRMs, and FISs<br />

Figure 3-52 shows a typical paper FIRM that a designer might<br />

encounter for some coastal areas. Three flood hazard zones are<br />

shown on this FIRM: Zone V, Zone A, and Zone X. Figure 3-53<br />

shows an example of a transect perpendicular to the shoreline.<br />

Since the early 2000s, FEMA has been preparing Digital FIRMs<br />

(DFIRMs) to replace the paper maps. Figure 3-54 shows a typical<br />

DFIRM that a designer is likely to encounter in many coastal areas.<br />

The DFIRM uses a photographic base and shows either the results<br />

of a recent FIS or the results of a digitized paper FIRM (possibly<br />

with a datum conversion from <strong>National</strong> Geodetic Vertical Datum<br />

[NGVD] to North American Vertical Datum [NAVD]). The flood<br />

hazard zones and BFEs on a DFIRM are delineated in a manner<br />

consistent with those on a paper FIRM, although they may reflect<br />

updated flood hazard calculation procedures.<br />

CROSS REFERENCE<br />

See Section 3.3 for a brief<br />

discussion of coastal flood<br />

hazards and FIRMs.<br />

NOTE<br />

Additional information about<br />

FIRMs is available in FEMA’s<br />

2006 booklet How to Use a<br />

Flood Map to Protect Your<br />

Property, FEMA 258 (FEMA<br />

2006b).<br />

3-56 COASTAL CONSTRUCTION MANUAL

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