Flood zone · ZIP 99709
Flood zone in Fairbanks (West), AK
ZIP 99709 (Alaska) — flood zone summary sourced from FEMA NFHL. Data lands this week as the FEMA NFHL ingestion pipeline rolls out.
Last verified 2026-04-26 · methodology
What lands here
Pages show the flood zone code, what it means in plain English (1% annual chance zone, 0.2% annual chance zone, or outside mapped hazard), and the base flood elevation where assigned.
Source & refresh
FEMA NFHL. Refreshed quarterly loma updates. Stale data is flagged, never silently served. Primary source →
Limitations specific to this source
For an official flood-zone determination (required by lenders), consult the FEMA Map Service Center directly. zipradar shows informational classifications only.
Alaska context
Permafrost, wildfire, and remote drinking-water systems
Alaska's federated data carries unusual constraints: many parcels sit on permafrost where ground temperatures shape foundation risk; FEMA NFHL coverage is incomplete outside major boroughs; EPA SDWIS systems can be unincorporated or village-operated. Wildfire risk has accelerated 2020-2025 in the boreal interior.
See Alaska state page for the full state-level rollup across all 12 dimensions.
Read more on flood zone
Editorial deep-dives explaining the source data, its limits, and how to read it.
Flood zones explained — what AE, X, and VE actually mean
Plain-English guide to FEMA flood-zone codes (A, AE, AH, V, VE, X, X-shaded). What the 1% and 0.2% annual-chance zones mean for your property and your insurance.
Wildfire Hazard Potential — what the USFS scale means and how to defend your home
Plain-English guide to the USDA Forest Service's Wildfire Hazard Potential 1–5 scale, how to read your community's risk, and concrete home-defense measures.
Wildfire insurance in 2026 — why premiums spiked and what to do
California, Oregon, Colorado, and other Western states have seen wildfire insurance premiums double or homeowners drop entirely. Plain-English guide to the 2026 market.
FEMA flood zones — AE vs. X vs. VE in plain English
FEMA's National Flood Hazard Layer maps every US property's flood-zone designation. Here's what AE, X, VE, and AO actually mean for your insurance bill.
Full dashboard for ZIP 99709
Flood zone is one of twelve dimensions zipradar federates per address. See the full federated summary for ZIP 99709:
Open Fairbanks (West), AK dashboard →