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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.
The Federal Emergency Management Agency (FEMA) requirement for building structures in flood hazard areas is that the floor of the lowest habitable enclosure must be elevated to or above the Base Flood Elevation (BFE). The BFE is based on the floodplain delineation for the 100-year peak runoff event.
In order to minimize potential damage to residential structures in flood hazard areas, the Coconino County Floodplain Management Overlay Zone requires an additional foot of freeboard above the BFE, which is referred as the Regulatory Flood Elevation (RFE).
An Elevation Certificate is an important tool that documents your building’s elevation.
There are several ways to obtain an Elevation Certificate (EC):