Which classification represents moderate to low risk flood areas?

The classification representing moderate to low risk flood areas includes B, C, and X zones. These zones are designated by the Federal Emergency Management Agency (FEMA) and indicate areas where the risk of flooding is less significant compared to areas classified as A zones (high-risk areas) and V zones (coastal high-risk areas).

B, C, and X zones are typically associated with flood zones that are outside of the Special Flood Hazard Areas (SFHAs), which are designated as high-risk by FEMA. Properties in these zones may still experience flooding, but the likelihood is considerably lower, and therefore, flood insurance is often not required for properties located within these classifications.

Understanding these designations is important for assessing flood risk and informing property owners about their insurance requirements and flood preparedness actions.