FEMA ZONE X ATTRIBUTE EXAMPLES — OCTOBER 30, 2026
Prepared by Pillar using publicly accessible FEMA service responses.

Purpose: preserve two actual source records showing that FLD_ZONE=X can accompany
different ZONE_SUBTY values. This is an attribute illustration, not a parcel test,
a development-site finding or a representative sample.

Service:
https://hazards.fema.gov/arcgis/rest/services/public/NFHL/MapServer
Layer 28, Flood Hazard Zones:
https://hazards.fema.gov/arcgis/rest/services/public/NFHL/MapServer/28
Layer metadata identifies separate FLD_ZONE, ZONE_SUBTY, SFHA_TF and SOURCE_CIT
fields. Preserve original strings; a source identifier is not a verified date.

Each request deliberately selected one subtype, ordered matching records by
OBJECTID ascending and requested one row. OBJECTID is used for ordering but is
not included in the CSV. We did not request or return geometry. There was no
spatial predicate and no proposed project, parcel or address was tested.

Both responses reported exceededTransferLimit=true. Other matching records were
outside these bounded responses. These examples establish no prevalence and are
not a complete list of Zone X subtypes, flood features or map products.

No panel lookup, effective-date verification, parcel overlay, elevation check,
local development requirement review or insurance determination was performed.
The retrieval times below are collection times, not map-effective dates.
SOURCE_CIT and FLD_AR_ID are preserved raw reference values, not parcel IDs.

CSV fields:
FLD_AR_ID, FLD_ZONE, ZONE_SUBTY, SFHA_TF, SOURCE_CIT
All five values per record are copied without normalization or interpretation.
The file uses UTF-8 and LF newlines. No geometry, personal owner data or account
information is included.

Retrieved UTC: 2026-10-30T14:10:26.699782+00:00
HTTP status: 200
Parameters:
{
  "where": "FLD_ZONE = 'X' AND ZONE_SUBTY = 'AREA OF MINIMAL FLOOD HAZARD'",
  "outFields": "FLD_AR_ID,FLD_ZONE,ZONE_SUBTY,SFHA_TF,SOURCE_CIT",
  "orderByFields": "OBJECTID ASC",
  "resultRecordCount": 1,
  "returnGeometry": "false",
  "f": "json"
}
Exact request:
https://hazards.fema.gov/arcgis/rest/services/public/NFHL/MapServer/28/query?where=FLD_ZONE+%3D+%27X%27+AND+ZONE_SUBTY+%3D+%27AREA+OF+MINIMAL+FLOOD+HAZARD%27&outFields=FLD_AR_ID%2CFLD_ZONE%2CZONE_SUBTY%2CSFHA_TF%2CSOURCE_CIT&orderByFields=OBJECTID+ASC&resultRecordCount=1&returnGeometry=false&f=json
Returned attributes:
{
  "FLD_AR_ID": "19089C_6083",
  "FLD_ZONE": "X",
  "ZONE_SUBTY": "AREA OF MINIMAL FLOOD HAZARD",
  "SFHA_TF": "F",
  "SOURCE_CIT": "19089C_STUDY1"
}

Retrieved UTC: 2026-10-30T14:10:27.181294+00:00
HTTP status: 200
Parameters:
{
  "where": "FLD_ZONE = 'X' AND ZONE_SUBTY = '0.2 PCT ANNUAL CHANCE FLOOD HAZARD'",
  "outFields": "FLD_AR_ID,FLD_ZONE,ZONE_SUBTY,SFHA_TF,SOURCE_CIT",
  "orderByFields": "OBJECTID ASC",
  "resultRecordCount": 1,
  "returnGeometry": "false",
  "f": "json"
}
Exact request:
https://hazards.fema.gov/arcgis/rest/services/public/NFHL/MapServer/28/query?where=FLD_ZONE+%3D+%27X%27+AND+ZONE_SUBTY+%3D+%270.2+PCT+ANNUAL+CHANCE+FLOOD+HAZARD%27&outFields=FLD_AR_ID%2CFLD_ZONE%2CZONE_SUBTY%2CSFHA_TF%2CSOURCE_CIT&orderByFields=OBJECTID+ASC&resultRecordCount=1&returnGeometry=false&f=json
Returned attributes:
{
  "FLD_AR_ID": "28109C_3",
  "FLD_ZONE": "X",
  "ZONE_SUBTY": "0.2 PCT ANNUAL CHANCE FLOOD HAZARD",
  "SFHA_TF": "F",
  "SOURCE_CIT": "28109C_STUDY1"
}

CSV SHA-256: 7d37e759ae5551a1a6708e87c03d6e04d919b8d6cfab099b432baee63a669da1

Re-running the same bounded requests later may return different records. Keep
this dated extract when citing this observation. Use the manual flood-map site
review worksheet separately for an actual candidate and its unresolved questions.