What exactly is a Special Flood Hazard Area (SFHA)?

Flood hazard areas identified on the Flood Insurance Rate Map are identified as a Special Flood Hazard Area (SFHA). SFHA are defined as the area that will be inundated by the flood event having a 1-percent chance of being equaled or exceeded in any given year.  Structures located in SFHAs have a 26 percent chance of suffering flood damage over the normal 30-year life of a loan, according to FEMA.

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1. What exactly is a Special Flood Hazard Area (SFHA)?
2. What is a non-special flood hazard area?
3. Is there a fee to review (fences, sheds, decks) in the floodplain?
4. Do I need a permit to build in the floodplain?
5. Does the Flood Ordinance require a property owner to get Flood Insurance?
6. Does the City issue floodplain insurance?
7. How do I know if my home is in the floodplain?
8. What can I do to protect my home from flooding?
9. My home was built in the floodplain more than 50 years ago? Does the new City FPO require me to do anything?
10. When my home was built it was not in the floodplain. Now, the current Flood Insurance Rating Map shows that my home is in the floodplain