geographic
FEMA Flood Zone
FEMA-designated flood risk areas that determine insurance requirements.
FEMA flood zones (A, AE, AH, AO, V, VE, X) indicate flood risk. High-risk zones (A, AE, V, VE) require flood insurance for federally backed mortgages. Zone X is moderate-to-low risk. 80% of Harvey victims were outside mapped floodplains.