Land Use & Zoning

In Kentucky, a special flood hazard area (SFHA) designation by FEMA means:

AThe property cannot be developed under any circumstances
BThe area has a 1% or greater annual chance of flooding (100-year floodplain)✓ Correct
CThe property is federally owned
DFlood insurance is optional in the area

Explanation

A SFHA (100-year floodplain) has a 1% or greater annual probability of flooding. Properties in SFHAs with federally backed loans must carry flood insurance.

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