Coastal High Hazard Area
Plain-English definition and practical context.
Definition: Coastal High Hazard Area | (CHHA)
pronunciation: KOH-stuhl hy HAZ-erd AIR-ee-uh
A Coastal High Hazard Area is a coastal area that is subject to high-velocity flood waters, including storm-driven waves, wave run-up, and storm surge associated with coastal storms such as hurricanes and tropical systems.
Under the National Flood Insurance Program (NFIP), these areas are identified on Flood Insurance Rate Maps (FIRMs) as V Zones, including zones labeled V, VE, and V1–V30. Buildings located in these zones face an increased risk of structural damage due to wave impact, erosion, and fast-moving water.
Because of the elevated risk, stricter construction and elevation requirements apply in Coastal High Hazard Areas, and flood insurance premiums are typically higher than in non-coastal flood zones.
Sources & Authority
Sources for Coastal High Hazard Area
Defines coastal V Zones, wave action risks, and NFIP construction and insurance requirements.