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Fema flood zone map tampa9/6/2023 ![]() ![]() Coastal A Zones are the areas landward of a V Zone. Wave action is expected in V and Coastal A zones, so specific building criteria are required. By law, all homes in high-risk zones carrying a federally-backed mortgage must be covered by flood insurance. High-risk areas, referred to as Special Flood Hazard Areas (SFHA) are shown on the map as zones labeled with the letters A or V.
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