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 "description": "The effective FEMA data are the most recently updated data for the state and are used for regulatory purposes.\n\n100 Year Flood (1% Annual Chance Flood, Base Flood, Special Flood Hazard Area (SFHA)): \u201cThe flood having a 1-percent chance of being equaled or exceeded in any given year; also known as the base flood The 1-percent annual chance flood, which is the standard used by most Federal and state agencies, is used by the National Flood Insurance Program (NFIP) as the standard for floodplain management and to determine the need for flood insurance. A structure located within a special flood hazard area (SFHA) shown on an NFIP map has a 26 percent chance of suffering flood damage during the term of a 30-year mortgage.\u201d (Federal Emergency Management Agency (FEMA), 2003).",
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 "title": "100 Year Flood Effective",
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