Flood insurance maps are divided into zones based on level of expected flooding and wave action.
'A' zone
Waves are expected to be low. Zone is usually further from the oceanfront, and foundations can be solid.
'V' zone
Waves over 3 feet are expected; foundations must not obstruct water. Much of the bay side of New Jersey has been changed from "A" to "V."
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New FEMA Flood Insurance Maps for New Jersey
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New FEMA Flood Insurance Maps for New Jersey
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New FEMA Flood Insurance Maps for New Jersey
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