In my posts on the new flood zones in and around Jupiter I seem to have neglected the small town where I sit and type this out, Juno Beach. Juno does a spectacular job in the flood plain management and in communicating the changes to the FIRM Maps to residents.
Some of the town is now located in Zone VE while other areas are shown in AE or as a shaded Zone X. Zone V is the coastal flood zone basically as as result of wave action and is a defined as “Areas subject to inundation by the 1-percent-annual-chance flood event with additional hazards due to storm-induced velocity wave action. Base Flood Elevations (BFEs) derived from detailed hydraulic analyses are shown. Mandatory flood insurance purchase requirements and floodplain management standards apply.” Zone VE is zone V where the base flood elevation has been determined and this is shown on the maps. You will see numbers in parentheses on the flood map and these indicate the elevation of the base flood. Zone VE with EL. = 12, 10 or 9. 12′ being right on the beach basically and going down as one moves away from the coast. Properties where the building is located within os ir touched by the VE or AE zone are required to have flood insurance is they have loan backed by a federally chartered bank OR a conforming loan. If the living area of the house is elevated above the Base Flood Elevation (BFE) shown on the maps then you may still qualify for the preferred rate policies or you may apply to FEMA to for a determination that the first floor living space is above the base flood elevation.
Want to see how that EL. = 12, 10 or 9′ flood elevation correlates to the finished floor elevation of your property then READ THIS POST. Want to see how the finished floor elevation of your property correlates to storm surge, READ THIS POST.
