X sounds bad, and A sound great, right?

Flood Zone X is a low/moderate flood risk area. Here's how FEMA describes zones the different flood zones. "Areas outside the 1-percent annual chance floodplain, areas of 1% annual chance sheet flow flooding where average depths are less than 1 foot, areas of 1% annual chance stream flooding where the contributing drainage area is less than 1 square mile, or areas protected from the 1% annual chance flood by levees. No Base Flood Elevations or depths are shown within this zone. Flood Insurance purchase is not required in these zones." Zones A and V have the higher risk. Zone D is undetermined. Because Savannah and the Tri Counties are Coastal areas it is always best to carry flood insurance whether it is required or not. For more local information you can visit http://www.savannahga.gov/index.aspx?NID=936 http://www.gafloods.org/ http://www.fema.gov/ http://www.chathamemergency.org/