Which flood zone has a 0.2% annual flood chance, often near levees?

• A. Zone B
• B. Zone A
• C. Zone V
• D. Zone X

Answer: (A)

Understanding flood zone designations and their corresponding annual flood probabilities helps explain why this zone fits the 0.2% likelihood. The 0.2% annual flood chance is the 500-year flood scenario. Zone B is the moderate flood hazard category that often appears near levees, where flood risk is present but not as extreme as in the highest-risk inland or coastal zones. That combination—moderate hazard and proximity to flood-control structures—matches the 0.2% annual risk described.

Higher-risk inland zones like Zone A indicate a 1% annual chance and usually lack base flood elevations, while coastal Zone V zones involve wave action and higher risk still. Zone X generally represents areas with minimal or lower hazard, outside the 500-year flood. So Zone B best fits the 0.2% chance and levee-adjacent context.