The further the structure is below the BFE, the higher its rates will be. If the structure is below the BFE, particularly if it has a below-grade (below ground) crawl space or basement, the risk of flooding for that structure is high and flood insurance rates will be accordingly high. If the structure is elevated above the BFE, it has a low risk of flooding and will receive lower flood insurance rates. The BFE is used to determine the risk of flooding for each structure in A- and V-zones by comparing the BFE to the elevation of the lowest floor of the structure. For example, “EL 3” means the base flood elevation is 3 feet. Underneath each A- or V-zone designation the BFE will be marked as “EL #”, where # is a number of feet that varies by location. The BFE is expressed on a flood map as a number of feet. The BFE is identified in the Special Flood Hazard Area, made up of A- and V-zones. Base Flood Elevation (BFE): The expected height of water during a flood that has a 1% chance of occurring in any given year.
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