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If you searched for a property by Address, Parcel Identification number (PIN), or interactively using the "Select property on map" tool, information about the property will be displayed on the lower portion of the Search Window.  The information returned is grouped as PIN, FEMA Flood Hazard Zones on the property, and NFIP FIRM Panel.

FEMA (Federal Emergency Management Agency) - The federal agency under which the National Flood Insurance Program is administered among other programs and actions for coordinating disaster response, mitigation, planning, and prevention.  In March 2003, FEMA became part of the newly created U.S. Department of Homeland Security.

FIRM (Flood Insurance Rate Map) - Official map of a community on which FEMA has delineated the Special Flood Hazard Areas (SFHAs), the Base Flood Elevations (BFEs) and the flood risk premium zones applicable to the community.

NFIP (National Flood Insurance Program) - The NFIP is a Federal program created by Congress to mitigate future flood losses nationwide through sound, community-enforced building and zoning ordinances and to provide access to affordable, federally-backed flood insurance protection for property owners. The NFIP is designed to provide an insurance alternative to disaster assistance to meet the escalating costs of repairing damage to buildings and their contents caused by floods.

NFIP FIRM Panel - The number(s) listed are the panel identification number for the National Flood Insurance Program (NFIP) Flood Insurance Rate Map (FIRM).  Loudoun County is divided up into an irregular grid of 77 panels.

Parcel or PIN - The PIN or Parcel Identification Number (PIN) is used by the Loudoun County Government to identify the property.  Another term for PIN that you may see is Map Cell Parcel Identification (MCPI).

FEMA Flood Hazard Zones on the property -This section lists the flood hazard zones that have been identified to be on the property.  The property may have any, all, or none of the zones identified as SFHA or Other Areas of Flood Hazard.
NoteFlood insurance is only required by the National Flood Insurance Program (NFIP) for a building, dwelling, structure, or improvement that has a federally backed loan and is situated in a Special Flood Hazard Area (SFHA). Flood insurance is not required by the NFIP if only the land is in the SFHA.   However, the mortgage company that makes the loan may choose to require flood insurance even though it is not required by the NFIP.

SFHA -The land area having special flood hazards and shown on a Flood Insurance Rate Map (FIRM) as Zones A and AE, among other flood zones. Note: Flood insurance is only required by the National Flood Insurance Program (NFIP) for a building, dwelling, structure, or improvement that has a federally-backed loan and has any part of the structure situated in a Special Flood Hazard Area (SFHA). Flood insurance is not required by the NFIP if only the land is in the SFHA.  However, the mortgage company that makes the loan may choose to require flood insurance even though it is not required by the NFIP.  FEMA Page on SFHA
  • SFHA (ZONE A) - Areas subject to inundation by the 1-percent annual chance flood event generally determined using approximate methodologies. Because detailed hydraulic analyses have not been performed, no Base Flood Elevations (BFEs) or flood depths are shown. Mandatory NFIP flood insurance purchase requirements apply and floodplain management standards of your local community apply.  FEMA Page on ZONE A

  • SFHA (ZONE AE) - Areas subject to inundation by the 1-percent annual chance flood event determined by detailed methods. Base Flood Elevations (BFEs) are shown.  Mandatory NFIP flood insurance purchase requirements apply and floodplain management standards of your local community apply. FEMA Page on ZONE AE

  • SFHA (FLOODWAY) - A "Regulatory Floodway" means the channel of a river or other watercourse and the adjacent land areas that must be reserved in order to discharge the base flood without cumulatively increasing the water surface elevation more than a designated height. Communities must regulate development in these floodways to ensure that there are no increases in upstream flood elevations.  Local community floodplain management standards apply where a floodway is mapped.  FEMA Page on FLOODWAY

Other Areas of Flood HazardIncludes areas of moderate and minimal flood hazard. These areas are not regulated as part of the NFIP.  Areas of moderate flood hazard (called “Shaded Zone X”) may be regulated by local communities.

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