Areas of Special Flood Hazard include Zones A, AE, AH, AO, AR, A99, V, AND VE. The Base Flood Elevation (BFE) is the water-surface elevation of the 1% annual chance flood. ZONE A - No Base Flood Elevations determined. ZONE AE - Base Flood Elevations determined. ZONE AH - Flood depths of 1 to 3 feet (usually areas of ponding); Base Flood Elevations determined. ZONE AO - Flood depths of 1 to 3 feet (usually sheet flow on sloping terrain); average depths determined. For areas of alluvial fan flooding, velocities also determined. ZONE AR - Special Flood Hazard Areas formerly protected from the I% annual chance flood by a flood control system that was subsequently decertified. Zone AR indicates that the former flood control system is being restored to provide protection from the 1% annual chance or greater flood. ZONE A99 - Area to be protected from 1% annual chance flood by a Federal flood protection system under construction; no Base Flood Elevations determined.

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The regulation has helped lower flood insurance premiums for many residents. In July 1997, a storm dumped 14.5 inches of rain on Fort Collins, Colorado, in about 30 hours. Five people died, and damage to homes and businesses totaled more than $250 million. The event catalyzed city officials to pass regulations prohibiting new residential construction in areas with high flood risk. In September 2013, when floods devastated many parts of Colorado, the city was relatively unscathed: Nearly 14,000 structures had been built in Fort Collins since the 1997 flood, and only eight of those were damaged. In addition to its loan program, the state established a policy in 2008 requiring shoreline erosion projects to first consider nature-based solutions as a mitigation tactic. Wisconsin’s largest city uses green infrastructure to curb flooding and treat wastewater. The city has bought land and created natural storage basins, among other measures, to boost its stormwater capacity.

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