This blog will answer common questions that we get about flood insurance in AE flood zone we will also share some statistics and links if you get really into the research for flood zone AE insurance. This is our attempt to pull all the information you could be interested in specifically the cost of flood insurance in AE flood zone, we will also review the difference in AE flood NFIP policies and AE Private flood Insurance Market and finish up with  Lloyd of London AE Flood Insurance companies. We would like to hear your thoughts so please share, comment, ask questions or if you want us to explore a topic further let us know. To keep it easy we have some quick jumps to sections that you might be interested in. Enjoy. Your flood Nerd. 

Flood zone AE insurance
How much is flood insurance in Zone AE?
Private flood insurance zone AE
How much does zone AE flood insurance cost?
AE flood zone insurance requirements
Flood zone AE vs. X
Buying a house in flood zone AE
Where do I find the FEMA flood map zone AE




What is flood zone AE?

Since the inception of flood insurance back in 1973 the core of engineers came up with flood zones for the US and those codes break down to 

  • Flood zone X (which is considered low to moderate risk of flooding). You may also see this represented as Flood zone X-500, Flood zone C, or Flood zone B.

  • Flood zone AE meaning (this is considered a high-risk flood zone), and if your structure is in an AE flood zone, then your lender by federal law will have to require you to get a flood insurance policy. This flood zone is also referred to as the 100-year flood zone, Special flood hazard area, Can also be a Flood zone A, flood zone A1 – 30, AH flood zone or AO flood zone. Sometimes people refer to this flood zone as “flood zone code ae” they are talking about just an AE flood zone. 

Flood zone ae insurance

  • Flood zone VE (This is considered a high-risk flood zone), and if your structure is in a VE flood zone, then your lender will be required by federal law to have you purchase a flood insurance policy to get the loan. The VE zone is known as the coastal high-risk flood zone. Sometimes we can see this flood zone on a large water body like the great lakes, but this is rare. The V stands for velocity or wave action. You might see this represented as V flood zone or V1-31 flood zone. 

  • If you want more information, please see this fantastic description from Selective.
  • Yes, Please shop for Flood insurance in AE

    Flood zone AE insurance

    I sure you can understand that some homes are at higher risk of flooding than others. An example of a structure right by a river or surrounded by water would be considered an AE. Also, properties closer to the ocean are more likely to flood when a storm comes, or mother nature decides to pound an area with rain. 

    As mentioned before, your lender will require you to purchase a flood insurance policy if your home/structure is in one of the high-risk flood zones listed above. The way they discover this is by running the risk of flooding through a company that produces a flood zone determination. 

    Yes, Please shop for Flood insurance in AE

    How much is flood insurance in Zone AE?

    The flood zone determination and the flood zone your structure is in can significantly affect flood insurance prices. In some rare cases, the flood zone AE cost could be north of $5,000; however, we can get a more reasonable premium for most of us. 

    There are two types of flood insurance you can get. The government policy is also known as the NFIP or FEMA and the private flood insurance market.

    When does the FEMA flood zone ae policy make sense?

    Sometimes when we are shopping for our clients, we discover that the flood zone AE with the Government will get us the best rate; this is because we have provided enough documents to support the flood insurance rate in this flood zone. That can be an Elevation Certificate showing that the lowest floor is either at or above the base flood elevation as outlined to the Flood zone determination. 

    Or sometimes, if we have a historical map that shows that the home was built in flood compliance at the time of construction, this would have to be for homes built after the NFIP was created so typically after 1973.

    Yes, Please shop for Flood insurance in AE

    We can grab their savings. 

    If we can get the seller’s DECLARATION page, the policy might be grandfathered for newly mapped. 

    If this is the case (and you are working with a flood insurance expert), you can lift the subsidized policy over to you when purchasing the home or business. You will need to get a copy of the current owner’s Declaration page to do this. This process is called grandfathering for continuous coverage. 

    Private flood insurance zone AE

    The great news is for the vast majority of properties in the AE flood zone. We can get you private flood insurance, usually written by Lloyds of London Flood insurance. We often can get a savings of twenty to fifty percent over the NFiP policy. This is due to the private flood market using the most advanced technology, Lidar flood maps, and risk models. And since their technology is so much better than the flood zone maps, the private market flood policies can deliver a lower rate while offering higher coverage limits and a broader policy that includes some insurers provide loss of use. 

    Yes, Please shop for Flood insurance in AE

    The private flood market when considering a property will consider these factors, 

    • The type of foundation

    • The type of structure 

    • The square footage

    • The replacement cost to rebuild the home. 

    • Prior flood losses (in most cases if the property has had a flood loss the private market will decline to offer coverage) 

    The private flood insurance will usually not be competitive in a flood zone X. This is since many areas are mapped out of the AE flood zone for political reasons because it is unpopular to require flood insurance for some communities. 

    I wish this was not the case since it confuses homeowners that their property is safe and forgo getting coverage. If this is your case, I pray that you consider the risk vs. the cost. Most of us do not have an extra $40,000 sitting around to payout.

    Yes, Please shop for Flood insurance in AE

    Flood zone AE Florida

    Florida flood insurance is very familiar with flood insurance since there was something to the number of 1.7 million at last count. There are also many private flood insurance options in Florida, and the average flood insurance rate is $550. So if you are not paying this, let us shop for alternative flood insurance. 

    How much does zone AE flood insurance cost?

    This can vary significantly since several factors go into developing the cost, those were listed above. Still, I will say them here as well—the foundation, where the lowest flood concerns the current base flood elevation. 

    The construction type, how much coverage you want or are required to get, what your deductible is, and if the property will qualify for the private flood insurance market or if the current owner has a grandfather policy with the NFIP grab for your policy. So the best way to figure out the cost of flood insurance in a Zone AE is to let us shop. We shop all options to make sure you are getting the best coverage at the best price. 

    Yes, Please shop for Flood insurance in AE

    AE flood zone Building requirements

    We often get questions from people about the fad flood zone building requirements. If your home is just being built, we strongly recommend that you work with the floodplain manager for your area to ensure you are making the home within flood compliance. You will need to get an Elevation certificate based on the proposed building structure and drawings. Then once the home is completed, you will need a finished construction Elevation certificate. 

    We recommend that you negotiate both upfronts’ cost since the same engineered that did the course of construction EC would be your best shot for getting the finished construction EC. 

    Here is a great resource we use. 

    AE flood zone insurance requirements

    If your lender is requiring you to get a flood insurance policy for the home or building you are purchasing, this is because of a federal law that forces them to comply with the enforcing the purchase of flood policy. 

    All lenders pull what is called a flood zone determination on every property. Most people never even know this is the case, but if your property is in a flood zone ae, they will require flood insurance. 

    Yes, Please shop for Flood insurance in AE


    Flood zone AE vs. X

    If you are asking us to tell you which is better, that is a hard call because we believe that many properties that are in an X flood zone are at more risk of flooding then homes that are in a flood zone AE. However, an X flood zone your lender will not have to require flood insurance, and in an AE, they will. 

    If your property is in a flood zone X, you can get what is called a preferred rate policy with the Government, and this coverage is good for the rate you pay. Something around $500 for your primary and secondary is about $700. We strongly recommend you get one at this rate. 

    AE flood zone NJ / ae flood zone insurance NJ

    October 22, 2012, will be a date New Jersey will always remember. New Jersey has about 225,000 active flood insurance policies. Most of them are in the AE flood zone. A few are in the VE flood zone. Your average cost of flood insurance in the AE flood zone NJ is $961. 

    Yes, Please shop for Flood insurance in AE

    AE flood zone NY

    Sandy wreaked havoc and changed our minds of what a hurricane can do if it hits a populated area. With 178,000 active policies, many of which are in the high-risk flood zones. 

    The average flood insurance policy in the AE flood zone NY is about $1,155. If you are paying more, let us do your shopping. 

    Flood zone AE Hawaii.

    Interestingly for an island state, most of Hawaii’s high-risk flood zone AE. You have 61,000 active policies and are paying an average of $673. We can help you find this cost if you are currently not paying that amount, and if you are in a VE flood zone, we can shop for you to get something better. 

    Flood zone AE in Florida / flood zone ae Tampa

    Flood zone AE in Tampa FL has about 23,000,000 active policies, and your average is $832. Reasonable price if you are paying it if not let me look for a better option. 

    Yes, Please shop for Flood insurance in AE

    What is flood zone AE in Louisiana?

    Out of your 500,000 flood insurance policies, many are in the flood zone AE for Louisiana. There are a few that are in the VE flood zone. However, the average cost is $656. If you are not paying this and most Louisianians, we help pay for more. 

    NC flood zone Ae

    NC flood zone AE got hit hard in 2019, and we are still cleaning up to date. With 135,000 active flood insurance policies, this latest dump cost about XX, and the sad thing is most of the losses were in an NC X flood zone. Hopefully, more properties will be placed in the NC flood zone AE so we can make sure that homeowners have coverage when they need it. 

    Yes, Please shop for Flood insurance in AE

    Buying a house in flood zone AE

    The big question always is if a property is in or out of the high-risk flood zone. Earlier on this page, we discussed that many structures that should be in an AE flood zone are mapped out due to politics rather than the risk. If your home you are looking to buy is in an AE flood zone, then your lender will require flood insurance. This doesn’t mean that the property will ever flood. You will need to check if it has because that will limit your flood insurance options most private flood insurance policies will not accept a property that has flooded before. 

    Where do I find the FEMA flood map zone AE

    This is the best place we have discovered for you to start when looking at a property. You can put in your address, and the map will show up if your structure is in a light blue color that is considered flood zone AE. Note, sometimes the maps are not digitized, and if this is the case, just reach out to me, and I will pull for you a Flood zone determination. 

    AE Flood Map link here

    Yes, Please shop for Flood insurance in AE