<P> A Special Flood Hazard Area (SFHA) is an area identified by the United States Federal Emergency Management Agency (FEMA) as an area with a special flood or mudflow, and / or flood related erosion hazard, as shown on a flood hazard boundary map or flood insurance rate map . Areas within the SFHA are designated on the flood insurance rate map as Zone A, AO, A1 - A30, AE, A99, AH, AR, AR / A, AR / AE, AR / AH, AR / AO, AR / A1 - A30, V1 - V30 or V . </P> <P> Land areas that are at high risk for flooding are called special flood hazard areas (SFHAs), or floodplains . These areas are indicated on flood insurance rate maps (FIRMs). </P> <P> In high - risk areas, there is at least a 1 in 4 chance of flooding during a 30 - year mortgage . </P>

Which zones are identified by fema as special flood hazard areas