Base Flood Depth

Base Flood Depth - the depth shown on Flood Insurance Rate Maps for Zone AO that indicates the depth of water above the highest adjacent grade resulting from a base flood (1% annual chance flood). Unlike other flood zones that show elevation, Zone AO shows flood depth in feet. This depth measurement is used to determine the required elevation for new construction and to calculate flood insurance premiums. Properties in Zone AO must be elevated so that the lowest floor is above the highest adjacent grade by at least the BFD shown on the FIRM, plus any additional freeboard required by local ordinance.

The computed elevation to which floodwater is anticipated to rise during a base flood (a flood with a 1% chance of occurring in any given year, also called a 100-year flood). Shown on FEMA Flood Insurance Rate Maps (FIRMs), the BFE is used to determine flood insurance premiums and building requirements. Structures built below the BFE face higher insurance costs and greater flood risk. Local building codes typically require new construction in flood zones to have the lowest floor elevated at or above the BFE. Knowing your property's BFE is crucial for flood risk assessment and insurance decisions.

The repayment value for indemnification due to loss or damage of property; in most cases it is replacement cost minus depreciation.

The decrease in value of property over time due to wear, tear, age, or obsolescence.

The cost to replace damaged or destroyed property with new property of similar kind and quality, without deduction for depreciation.

Insurance coverage that protects your home and personal property against damage, theft, and liability claims.