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  #1  
Old 08-06-2008, 09:01 PM
ebudd ebudd is offline
 
Join Date: Apr 2008
State: California
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Default Is AO considered a special flood zone hazard?

Any help would be appreciated - not sure if AO flood zone is considered to be a special flood zone hazard.
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  #2  
Old 08-06-2008, 09:20 PM
ghrousseau ghrousseau is offline
 
Join Date: May 2006
Location: Virginia Beach, VA
State: Virginia
Professional Status: Licensed Appraiser
Posts: 865
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Quote:
Originally Posted by ebudd View Post
Any help would be appreciated - not sure if AO flood zone is considered to be a special flood zone hazard.

Yes:

Flood Zone Definitions from 2005 that I have on file:


Zone A is the flood insurance rate zone that corresponds to the 1-percent annual chance floodplains that are determined in the Flood Insurance Study by approximate methods of analysis. Because detailed hydraulic analyses are not performed for such areas, no Base Flood Elevations or depths are shown
within this zone.

Mandatory flood insurance purchase requirements apply.

Zones AE and A1-A30 are the flood insurance rate zones that correspond to the 1-percent annual chance floodplains that are determined in the Flood Insurance Study by detailed methods of analysis. In most instances, Base Flood Elevations derived from the detailed hydraulic analyses are shown at
selected intervals within this zone.
Mandatory flood insurance purchase requirements apply.

Zone AH is the flood insurance rate zone that corresponds to the areas of 1-percent annual chance shallow flooding with a constant water-surface elevation (usually areas of ponding) where average depths are between 1 and 3 feet. The Base Flood Elevations derived from the detailed hydraulic analyses are shown at selected intervals within this zone.
Mandatory flood insurance purchase requirements apply.

Zone AO is the flood insurance rate zone that corresponds to the areas of 1-percent shallow flooding (usually sheet flow on sloping terrain) where average depths are between 1 and 3 feet. Average flood depths derived from the detailed hydraulic analyses are shown within this zone. In addition, alluvial fan flood hazards are shown as Zone AO on the Flood Insurance Rate Map.
Mandatory flood insurance purchase requirements apply.

Zone AR is the flood insurance rate zone used to depict areas protected from flood hazards by flood control structures, such as a levee, that are being restored. FEMA will consider using the Zone AR designation for a community if the flood protection system has been deemed restorable by a Federal agency in consultation with a local project sponsor; a minimum level of flood protection is still provided to the community by the system; and restoration of the flood protection system is scheduled to begin within a designated time period and in accordance with a progress plan negotiated between the community and FEMA.
Mandatory purchase requirements for flood insurance will apply in Zone AR, but the rate will not exceed the rate for an unnumbered Zone A if the structure is built in compliance with Zone AR floodplain management regulations. For floodplain management in Zone AR areas, the property owner is not required to elevate an existing structure when making improvements to the structure. However, for new construction, the structure must be elevated (or floodproofed for non-residential structures is this applicable?) so that the lowest floor, including basement, is a minimum of 3 feet above the highest adjacent existing grade, if the depth of the Base Flood Elevation (BFE) does not exceed 5 feet at the proposed development site. For infill sites, rehabilitation of existing structures, or redevelopment of previously developed areas, there is a 3-foot elevation requirement regardless of the depth of the BFE at the project site. The Zone AR designation will be removed and the restored flood control system will be shown as providing protection from the 1-percent annual chance flood on the National Flood Insurance Program
map upon completion of the restoration project and submittal of all the necessary data to FEMA.

Zone A99 is the flood insurance rate zone that corresponds to areas within the 1-percent annual chance floodplain that will be protected by a Federal flood protection system where construction has reached specified statutory milestones. No Base Flood Elevations or depths are shown within this zone.
Mandatory flood insurance purchase requirements apply.

The Zone D designation is used for areas where there are possible but undetermined flood hazards. In areas designated as Zone D, no analysis of flood hazards has been conducted.
Mandatory flood insurance purchase requirements do not apply, but coverage is available. The flood insurance rates for properties in Zone D are commensurate with the uncertainty of the flood risk.

Zone V is the flood insurance rate zone that corresponds to areas within the 1-percent annual chance coastal floodplains that have additional hazards associated with storm waves. Because approximate hydraulic analyses are performed for such areas, no Base Flood Elevations are shown within this zone.
Mandatory flood insurance purchase requirements apply.

Zone VE is the flood insurance rate zone that corresponds to areas within the 1-percent annual chance coastal floodplain that have additional hazards associated with storm waves. Base Flood Elevations derived from the detailed hydraulic analyses are shown at selected intervals within this zone.
Mandatory flood insurance purchase requirements apply.

Zones B, C, and X are the flood insurance rate zones that correspond to: (1) areas outside the 1-percent annual chance floodplain, (2) areas of 1-percent annual chance sheet flow flooding where average depths are less than 1 foot, (3) areas of 1-percent annual chance stream flooding where the contributing
drainage area is less than 1 square mile, or (4) areas protected from the 1-percent annual chance flood by levees. No Base Flood Elevations or depths are shown within this zone.
Insurance purchase is not required in these zones.
  #3  
Old 08-06-2008, 09:31 PM
ebudd ebudd is offline
 
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State: California
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Default

Thankyou!!!!
  #4  
Old 08-06-2008, 10:45 PM
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Smokehouse Smokehouse is offline
 
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Location: Jacksonville
State: Florida
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That wasnt covered in class?....just curious
  #5  
Old 08-06-2008, 11:00 PM
ghrousseau ghrousseau is offline
 
Join Date: May 2006
Location: Virginia Beach, VA
State: Virginia
Professional Status: Licensed Appraiser
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Quote:
Originally Posted by Smokehouse View Post
That wasnt covered in class?....just curious

I obtained it working for a Bank in 2005. It came from our compliance officer.


Here is a link from a current Flood Cert provider used by most lenders. The definitions appear the same. By the way...........very common mistake I see on appraisal reports are incorrect flood zones, map numbers, and dates.

http://fafds.floodcert.com/resources/index.asp?ID=5
  #6  
Old 08-06-2008, 11:12 PM
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Michigan CG Michigan CG is offline
 
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State: Michigan
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Quote:
That wasnt covered in class?....just curious
Some things need to be learned.
Attached Files
File Type: pdf Flood zones.pdf (50.1 KB, 43 views)
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  #7  
Old 08-06-2008, 11:20 PM
CURT VAN HOOSER CURT VAN HOOSER is offline
 
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Location: Menifee, CA
State: California
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Google....
  #8  
Old 08-07-2008, 05:04 AM
KYLECODY KYLECODY is offline
 
Join Date: Apr 2003
State: Arizona
Professional Status: Certified Residential Appraiser
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ask mentor...
  #9  
Old 08-07-2008, 06:20 AM
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Carnivore Carnivore is offline
 
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Location: Queen City
State: North Carolina
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ebudd,

Good question. Your halfway home.

Now all you have to do is determine if flood zones effect the market value of your specific subjects!
  #10  
Old 08-13-2008, 02:14 PM
Terry Caldwell Terry Caldwell is offline
 
Join Date: Nov 2005
Location: South Florida
State: Florida
Professional Status: Certified Residential Appraiser
Posts: 86
Default Is AO considered a special flood zone hazard

www.fema.gov
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