What does “Zone X” mean?

“Zone X” feels very science fiction-y right? In reality, it indicates an area with a moderate-to-low risk for flooding, usually depicted on Flood Insurance Rate Maps (FIRMs) as above the 500-year flood level. In other words, these are areas typically outside the Special Flood Hazard Area.

Are homes in Zone X required to have flood insurance?

Zone X is usually outside the Special Flood Hazard Area (SFHA), so homeowners with a federally backed mortgage aren’t required to purchase flood insurance.

That doesn’t mean that you won’t be at risk of flood damage. Zone X is still “moderate-to-low” after all. So it’s important to investigate your area’s particular risk of flooding to figure out your property’s risk level. 

How much does flood insurance cost in Zone X?

Florida residents within Zone X are, on average, charged the cheapest rates at $480.83 per year. That’s significantly less than Florida residents within Zone A, who pay on average $725.44 per year. However, those rates are for residents within Zone X specifically and not for all Florida residents. 

How to minimize property damage in Zone X

Just because you’re in Zone X doesn’t mean that flood or other water damage won’t affect you or your property. Here are some things to help minimize property damage even in Zone X:

Install backflow valves

While a storm surge will likely miss you, the floodwaters can still push up sewage into your house or onto your property. Installing backflow valves can minimize this sewage from creeping up into your home. 

Debowsky Design Group

Flooding can have a huge impact on you and your property. But knowing about flooding, your floods and how to be proactive can mitigate a lot of the headache, especially if you’re renovating or moving properties. That’s why it’s important to get in touch with the experts. At Debowsky Design Group, we’re ready to help keep you safe and, most importantly, as dry as possible.