Floods can occur at any time. Flood zones are geographic areas that FEMA has defined according to varying levels of flood risk and can be used as guidance on how frequent flooding is likely to occur. Areas considered as high-risk (A zones) and high-risk coastal (V zones) have a 1% or greater annual chance of flooding. Areas considered as moderate to low risk (B, C or X zones) are considered less likely to flood than high-risk areas, but that doesn’t mean there is no risk of flooding. As our climate changes, historical data isn’t always a reliable predictor of future events.