Does Zone X Require Flood Insurance?

(Zone X) Minimal risk areas outside the moderate-risk and high-risk flood zone. Flood Insurance Optional.

Is Zone X considered a flood zone?

X Zone Information - The X zone (also known as “low–risk flood zone”) is an area outside of the Special Flood Hazard Area. It's important to know that just because an area is designated as X zone does not mean that the area will never flood. Floods don't read flood maps.

Is flood Zone X good or bad?

These zones include B, C, X Pre- and Post-FIRM. They're considered low- to moderate-risk flood zones. They're not in immediate danger from flooding caused by overflowing bodies of water or hard rains. According to FEMA, despite their low- to moderate-risk, one in four flood claims occur in these areas.