Area of Special Flood Hazard Law and Legal Definition

According to 44 CFR 59.1 Title 44 -- Emergency Management and Assistance; Chapter I -- Federal Emergency Management Agency, Department of Homeland Security; Subchapter B -- Insurance and Hazard Mitigation; Part 59 -- General Provisions; Subpart A – General], area of special flood hazard is the land in the flood plain within a community subject to a 1 percent or greater chance of flooding in any given year. The area may be designated as Zone A on the FHBM. After detailed ratemaking has been completed in preparation for publication of the flood insurance rate map, Zone A usually is refined into Zones A, AO, AH, A1-30, AE, A99, AR, AR/A1-30, AR/AE, AR/AO, AR/AH, AR/A, VO, or V1-30, VE, or V. For purposes of these regulations, the term "special flood hazard area" is synonymous in meaning with the phrase "area of special flood hazard".