HomeMy WebLinkAboutOwning Property in Other Flood Hazard Area_032321Owning property in Other Areas of Flood Hazard – Zone X
Other Areas of Flood Hazard (Zone X) are advisory in nature. Buildings
located within Zone X are not required by law to carry ϐlood insurance. It is
recommended that ϐlood insurance be considered given the moderate risk of
ϐlood loss within a Zone X area. A typical homeowners insurance policy does
not provide ϐlood coverage. For new loans, a lender may at their discretion
require ϐlood insurance for a building within Zone X.
A City Floodplain
Permit is not
required for
development
New Flood Insurance Rate Maps for Bozeman Creek and its tributary streams have been recently completed
by the Federal Emergency Management Agency (FEMA). Other Areas of Flood Hazard are denoted as “Zone X”
on a Flood Insurance Rate Map. Zone X areas include locations of the 1% annual chance ϐlood (aka 100‐year
ϐloodplain) that are less than 1 foot in depth, as well as areas of the 0.2% annual chance ϐlood (aka 500‐year
ϐloodplain).
INSURANCE REQUIREMENT
Buildings within
Zone X are not
required by law to
carry flood insurance.
NEW FEMA FLOOD INSURANCE RATE MAPS
Promoting flood risk awareness
DEVELOPMENT REGULATIONS
City of Bozeman Floodplain Regulations generally do not regulate
proposed development in Other Areas of Flood Hazard (Zone X)
shown on a FEMA Flood Insurance Rate Map. New construction and
building improvements may occur in Zone X without a City
Floodplain Permit.
If your property has areas of both Special Flood Hazard Area (Zone AE) and Other Areas of Flood Hazard (Zone X)
on a FEMA Flood Insurance Rate Map, development may require a City Floodplain Permit depending on where the
development is proposed to occur.
Please discuss the proposed development with the City Floodplain Administrator to understand how City
Floodplain Regulations may apply.
City Floodplain Administrator
bheaston@bozeman.net
406.582.2280