In Clay County, the primary flood zones are X, X (shaded), A, AE & Floodway.
- High-risk areas (Special Flood Hazard Areas, or SFHAs) are designated as Zones A, AE and AE Floodway, and are required to have flood insurance if a federally-backed mortgage is involved.
- Flood Zone X -The area of minimal flood hazard and is generally not required to have flood insurance. No flood permits are required for development.
- Flood Zone X Shaded – (500 year floodplain) An area of moderate flood hazards which has a 0.2% chance of annual flooding and is generally not required to have flood insurance. No flood permits required for development.
- Flood Zones A & AE – (100 year floodplain) These areas have a 1% annual chance of flooding. Flood Zone A does not have a measured Base Flood Elevation. Flood Zone AE does. Flood insurance is required for mortgaged structures in these zones, as are flood permits for development and elevation certificates for new structures or substantial improvements.
- Floodway – This area is defined as the channel of a river, creek or other watercourse and the adjacent land areas that must be preserved to safely discharge the base flood without causing increases in water elevation. Flood insurance is required for mortgaged structures in this zone, as are No-Rise Studies for any new development, flood permits and elevation certificates for new structures or substantial improvements.
Questions? Email 📩 floodteam@claycountygov.com
