Flood zone classifications “A” and “V” are in the highest flood risk categories. Homes in the “V” zones that include wave action, flooding, and hurricanes are especially at risk. "V" zones or velocity flood zones reflect areas that are likely to have floodwaters with the greatest velocity, such as areas closest to the Gulf Coast or a fast-moving river. For houses located in coastal areas, review the FEMA Coastal Construction Fact Sheet series #1 to 31 at http://www.fema.gov/.
Even homes not directly in floodplains and hurricane areas may have floods caused by snow buildup, runoff, urban runoff, ice dams, heavy rains, and other water events. It is important to consider potential water events and flood risk for any home.
