According to FEMA the definition of a flood zone is a "geographic areas that FEMA has defined according to varying levels of flood risk and type of flooding. These zones are depicted on the published Flood Insurance Rate Map (FIRM) or Flood Hazard Boundary Map (FHBM)."

The Community Rating System (CRS) is a voluntary incentive program that recognizes and encourages community floodplain management practices that exceed the minimum requirements of the National Flood Insurance Program (NFIP). Over 1,500 communities participate nationwide. In CRS communities, flood insurance premium rates are discounted to reflect the reduced flood risk resulting from the community’s efforts that address the three goals of the program:Reduce and avoid flood damage to insurable propertyStrengthen and support the insurance aspects of the National Flood Insurance ProgramFoster comprehensive floodplain managementAn area having special flood, mudflow or flood-related erosion hazards and shown on a Flood Hazard Boundary Map (FHBM) or a Flood Insurance Rate Map (FIRM) Zone A, AO, A1-A30, AE, A99, AH, AR, AR/A, AR/AE, AR/AH, AR/AO, AR/A1-A30, V1-V30, VE or V. The SFHA is the area where the National Flood Insurance Program's (NFIP's) floodplain management regulations must be enforced and the area where the mandatory purchase of flood insurance applies. For the purpose of determining Community Rating System (CRS) premium discounts, all AR and A99 zones are treated as non-SFHAs.

🇺🇸 미국 English The Community Rating System (CRS) is a voluntary incentive program that recognizes and encourages community floodplain management practices that exceed the minimum requirements of the National Flood Insurance Program (NFIP). Over 1,500 communities participate nationwide. In CRS communities, flood insurance premium rates are discounted to reflect the reduced flood risk resulting from the community’s efforts that address the three goals of the program:Reduce and avoid flood damage to insurable propertyStrengthen and support the insurance aspects of the National Flood Insurance ProgramFoster comprehensive floodplain managementAn area having special flood, mudflow or flood-related erosion hazards and shown on a Flood Hazard Boundary Map (FHBM) or a Flood Insurance Rate Map (FIRM) Zone A, AO, A1-A30, AE, A99, AH, AR, AR/A, AR/AE, AR/AH, AR/AO, AR/A1-A30, V1-V30, VE or V. The SFHA is the area where the National Flood Insurance Program's (NFIP's) floodplain management regulations must be enforced and the area where the mandatory purchase of flood insurance applies. For the purpose of determining Community Rating System (CRS) premium discounts, all AR and A99 zones are treated as non-SFHAs.

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An official determination by FEMA that a property has been inadvertently included in an SFHA as shown on an effective FHBM or FIRM and is not subject to inundation by the 1-percent-annual-chance flood. Generally, the property is located on natural high ground at or above the BFE or on fill placed prior to the effective date of the first National Flood Insurance Program map designating the property as within an SFHA. Limitations of map scale and development of topographic data more accurately reflecting the existing ground elevations at the time the maps were prepared are the two most common bases for LOMA requests. Displayed as map points, where the symbology indicates the status of the LOMA.