Your property is mapped within a Special Flood Hazard Area (SFHA) with a Base Flood Elevation established at 12 feet NAVD88. Zone AE designates a 1% annual chance flood event — commonly called the "100-year flood." Mandatory flood insurance purchase requirements apply under federal law for federally-backed mortgages.
| FIRM Panel | 22033C0325J |
| Panel Effective Date | September 2, 2022 |
| Flood Zone | AE (Special Flood Hazard Area) |
| Base Flood Elevation (BFE) | 12 feet NAVD88 (11.2 feet NGVD29) |
| USGS Ground Elevation | 8 feet NAVD88 |
| NFIP Community | 220159 — East Baton Rouge Parish |
| Community Jurisdiction | Unincorporated East Baton Rouge Parish |
| NFIP Program Status | Regular Program — Participating |
| First FIRM Date | March 18, 1980 |
| Flood Source | Comite River / Amite River basin (fresh water, 312 ft from property) |
| Next Nearest Zone | X500 (moderate risk), 218 feet from property boundary |
| CBRS / OPA | No — federal flood insurance available |
| LOMA or LOMR on File | None identified at this address |
This property is within a Special Flood Hazard Area (SFHA). Under the Flood Disaster Protection Act of 1973, flood insurance is required for any federally-backed mortgage loan secured by this property. This requirement remains in force for the life of the loan. A lender may not waive this requirement.
USGS ground elevation data places the site at approximately 8 feet NAVD88 — 6 feet below the mapped Base Flood Elevation of 1,200 feet. The site terrain sits below the BFE at grade. Structural elevation above this baseline is the critical variable for both insurance rating and LOMA eligibility. An Elevation Certificate (if on file) documents the structure's actual finished floor height above this baseline.
Zone AE is a high-risk designation with a statistically modeled 1% annual chance of flooding (often called the "100-year flood"). The BFE of 12 feet represents the water surface elevation reached in a base flood event. Properties above the BFE face reduced but not zero flood risk. Properties at or below the BFE face mandatory purchase requirements and rate structures that reflect their modeled exposure.
East Baton Rouge Parish participates in the NFIP Regular Program, meaning residents have access to standard NFIP coverage limits. The community has been participating since 1985. No Community Rating System (CRS) discount applies — Yakima County is not currently a CRS participant, meaning policyholders do not receive the discounted NFIP premiums available in CRS communities.
Under the National Flood Insurance Program, maximum building coverage for a residential structure is $250,000. Contents coverage maximum is $100,000. These limits are set by statute and cannot be exceeded through the NFIP regardless of property value. For properties with replacement costs above $250,000, the NFIP building limit will not fully cover a total loss. A Property Analysis (Level 2) report includes a coverage gap assessment comparing your building limit to estimated replacement cost.
Private flood insurance carriers (Neptune Flood, Wright National Flood, Selective, and others) offer policies that meet the mandatory purchase requirement for federally-backed loans under the Biggert-Waters Act. Private policies may offer broader coverage, higher limits, and competitive pricing — particularly for well-elevated structures in Zone AE. Risk Rating 2.0 has narrowed the pricing gap between NFIP and private market in many cases, but private market options remain worth comparing for Zone AE properties with elevation data available.
An Elevation Certificate was identified as on file for this property (per owner-provided documentation). If the structure's lowest floor elevation is documented above the BFE, this data can significantly influence both NFIP and private market premium calculations. A Property Analysis (Level 2) or Comprehensive Review (Level 3) includes full EC assessment and premium optimization context using available elevation data.
| Flood zone confirmed from FIRM source data | ✓ Zone AE |
| Mandatory flood insurance required | ✓ Yes — federally-backed mortgage |
| FIRM panel identified | ✓ 22033C0325J (Oct. 21, 2021) |
| NFIP community participation confirmed | ✓ Regular Program |
| CRS discount available | ✗ No — community not enrolled |
| CBRS/OPA restriction | ✓ None — federal insurance available |
| LOMA/LOMR on file | ✗ None identified |
With an Elevation Certificate on file, a Property Analysis would document your structure's lowest floor elevation relative to the BFE, assess your EC's impact on NFIP and private market premiums, review your current policy for coverage gaps against estimated replacement cost, and research the full FIRM amendment history for your panel. The EC alone typically makes the Level 2 report the most actionable starting point for Zone AE properties.