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The term “100-year flood” can be misleading. It is not the flood event which occurs only once in a 100-year time span. Rather, it is a flood discharge that has a 1% chance of being equaled or exceeded each year. The 100-year flood could occur more than once in a relatively short period of time
The 100-year flood zone is used by the National Flood Insurance Program (NFIP) as the standard for floodplain management to determine flood risk. For example, a structure located in a 100-year floodplain has a 26% chance of suffering flood damage during the term of a 30-year mortgage.
A Floodplain Status Report will provide this information. An online request form is available.
It depends . . .