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Planning Matters

It’s That Time

OF YEAR AGAIN

ery little about the year 2020 has been normal. Zone X, which is defined by FEMA as areas above the
But those of us who have lived in Fort Lauderdale base flood elevation, which have minimal chance of
V for any period of time know that autumn brings flooding under normal circumstances.
with it King Tides. The City has an entire section of its
website devoted to this subject; here is the link Here is the actual definition from the Federal Insurance
(https://www.fortlauderdale.gov/departments/city- Rate Map (FIRM):
manager-s-office/strategic-communications/king-tides. “Moderate flood hazard areas, labeled Zone B or Zone X
King tides happen in the fall when the moon is closest to (Above 500 Year Flood Plain) are also shown on the FIRM,
the earth. This result in a heightened risk of localized and are the areas between the limits of the base flood and
flooding in low lying areas, which can be made even the 0.2-percent-annual-chance (or 500-year) flood. The
worse if we experience heavy rains. According to the City, areas of minimal flood hazard, which are the areas outside
King Tides will occur on the following dates: the SFHA and higher than the elevation of the 0.2-percent-
• September 16 - 22 annual-chance flood, are labeled Zone C or Zone X (Below
• October 14 - 21 500 Year Flood Plain).”
• November 13 - 18 Confused? It’s important to understand that being in a Zone
• December 13 - 15
X does not mean a property will not experience flooding—
Fortunately, most of our neighborhood is not located in it just means that the probability is less and you are not
Federal Emergency Management Agency (FEMA) Flood required to buy flood insurance. It does not mean you

4 CORAL RIDGE COUNTRY CLUB ESTATES HOA