X-Zone Flood Determination

Zone X Flood Determination (FEMA)

Zone X determination: FEMA classification for minimal flood risk. Based on FIRMs. Zone X: less than 1% annual chance (500-year) or 0.2% (unshaded). Impact: no flood insurance required, lowest rates, and higher property values vs. Zone A/V. Lending: Zone X (recommend, can’t require), Zone A ($10K NFIP required), Zone V (required + wave action). Standard Form SF-312: identifies property, map panel, zone, insurance requirement, and date. Valid until new maps. Borrower: LOMA if disagrees.

The Determination

• FEMA FIRMs: official
• Zone X: minimal risk
• Mortgage + insurance

Lending Impact

• Zone X: not required
• Zone A: NFIP required
• LOMA: challenge

Standard Form

• SF-312
• All federal mortgages
• Valid until new maps

Related Terms

• X Flood Zone

Barnes Walker Real Estate

Barnes Walker’s attorneys handle FL flood determinations. Request a legal inquiry for assistance.

Reviewed by the attorneys at Barnes Walker, Goethe, Shea & Robinson, PLLC