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So let's talk about mapping being able to understand and explain what the risk is to your client is very important so you need to understand how to how to read flood maps on how to understand what they say and and prinformation to your client based on based on what the maps are telling you so determining flood risk is is a huge responsibility so the flood insurance rate map will prinformation based on the base flood elevation that's rounded now our newer maps are gonna are not going around that base flood but you you know if it's between two cross sections you have to know what the base flood is for that specific location and that's why we have the flood insurance study and the surveyor should be using the the flood insurance study to make those determinations of base flood and not if it's exactly between the cross sections it may not be exactly half of that difference so it has to be determined very specifically on the distance from a certain cross section it also provides a identification as special flood hazard areas those are darkly shaded areas on the map light shade our areas of the moderate flood zone used to be called B zones now they're called shaded X or the 0.2% or an O term the 500-year flood but we don't like to use the hundred year and the 500 year because people think it's time and it's not time it's probability it also provides in where we have determined flood ways what the flood way delineation is on that map and that's the area that's been set aside to carry the base flood through through the channel so you've got a legend on your flood insurance rate maps of course many of you may not be looking at flood insurance rate maps you're like you're getting zone determinations from companies who do that on behalf of the write your own companies or on behalf of the mortgage companies but you really need to look at the maps and look and see what the risk is what surrounds that property it could be on the very edge of the floodplain but outside of it the risk may be a little bit higher so you need to know what the risk is for your client so this is a list of what types of flood zones we have A's beginning with SR riverine flood zones then we have our low to moderate risk flood zones B C and X depending on whether it's a newer map our v's owns our velocity zones wait some type of wave action greater than greater than three feet something that you're seeing on new coastal maps is is what we call a coastal zones those are our what we call limb WA limited areas of wave action moderate wave action and those will have a different connotation to them on the map and those.


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