Understanding Flood Areas
High-risk areas (Special Flood Hazard Area or SFHA)
Shown on the flood maps as zones labeled with letters A or V
High-risk areas have at least a 1% annual chance of flooding, which equates to a 26% chance of flooding over the life of a 30-year mortgage. All homeowners in these areas with mortgages from federally regulated or insured lenders are required to buy flood insurance.
Moderate-to-low risk areas (Non-Special Flood Hazard Area or NSFHA)
Shown on the flood maps as zones labeled with letters B, C, or X (or a shaded X)
In moderate-to-low-risk areas, the risk of being flooded is reduced, but not completely removed. These areas outside the 1% annual flood-risk floodplain areas, so flood insurance isn't required, but it is recommended for all property owners and renters.
Undetermined-risk areas
Shown on the flood maps as zones labeled with the letter D.
No flood-hazard analysis has been conducted in these areas, but a flood risk still exists. Flood Insurance rates reflect the uncertainty of the flood risk.
FIRM maps are available for viewing at City Hall during normal business hours.
Community Number for St. Paul Park is 270514
Shown on the flood maps as zones labeled with letters A or V
High-risk areas have at least a 1% annual chance of flooding, which equates to a 26% chance of flooding over the life of a 30-year mortgage. All homeowners in these areas with mortgages from federally regulated or insured lenders are required to buy flood insurance.
Moderate-to-low risk areas (Non-Special Flood Hazard Area or NSFHA)
Shown on the flood maps as zones labeled with letters B, C, or X (or a shaded X)
In moderate-to-low-risk areas, the risk of being flooded is reduced, but not completely removed. These areas outside the 1% annual flood-risk floodplain areas, so flood insurance isn't required, but it is recommended for all property owners and renters.
Undetermined-risk areas
Shown on the flood maps as zones labeled with the letter D.
No flood-hazard analysis has been conducted in these areas, but a flood risk still exists. Flood Insurance rates reflect the uncertainty of the flood risk.
FIRM maps are available for viewing at City Hall during normal business hours.
Community Number for St. Paul Park is 270514