What is the difference between Zone AE and Zone VE?

By Steve Conley

Short Answer

Zone AE is a Special Flood Hazard Area subject to rising water (stillwater flooding), while Zone VE is a Coastal High Hazard Area subject to wave action and velocity flooding. Zone VE properties typically have higher insurance rates and stricter building requirements.

Steve's Advice

Steve Conley

Principal, Conley Sales Group at COMPASS

Zone AE means moderate to high flood risk with a defined Base Flood Elevation. Zone VE adds velocity wave action -- meaning your home must be elevated on open pilings. VE zones typically have higher insurance costs and stricter building requirements. Know the difference before you buy.

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More questions in Flood Insurance & FEMA

How much does flood insurance cost in the Florida Keys? What flood zone am I in for my Keys property? How much does flood insurance cost in the Florida Keys? What is a FEMA elevation certificate? Can I get cheaper flood insurance if my home is elevated? Do I need flood insurance if I pay cash for my home? How does flood insurance affect my monthly payment? What is the National Flood Insurance Program? Can I shop for private flood insurance in the Keys? How do flood zones change over time? What Flood Zone Is My Florida Keys Property In? Can the New Florida Keys Flood Maps Change What I Can Build? Insurance Requirements for Coastal Properties in the Florida Keys

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