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Figure 4. 2 illustrates the flood prone areas of Indian River County based on the FIRMs . Two numerical models predict the effects of storm surge in Indian Ri er County . The older model , developed by NOAH , is called the " Sea , Lake and Overland Surges from Hurricanes" ( SLOSH ) model . Figure 4 . 3 shows the storm Category 1 , 3 , and 5 surge zones as predicted by the SLOSH model for Indian River County . According to the Florida Coastal Management Program , 43 . 2 % of residents in Indian River County live in the Category 1 Surge Zone . Figure 4. 2 can be used to determine the extent of the flooding hazard in each of the six jurisdictions represented by this plan . Overall , the flooding hazard int e unincorporated areas of the County varies . The extreme western unincorporated portions of the County are located in FEMA NFIP flood zones A, AE , and AO . Table 4 .2 describes the definitions of each of the FEMA flood zones . Table 4 . 2 . Federal Emergency Management Agency Flood Zones , Zone Description A An area inundated by 1 % annual chance flooding , for which no Base Flood Elevations BFEs have been determined . AE An area inundated by 1 % annual chance flooding , for which BF s have been determined . An area inundated by 1 % annual chance flooding ( usually an area of AH ponding ) , for which BFEs have been determined ; flood depths range from 1 to 3 feet . ANI An area not included in mapping . AO An area inundated by 1 % annual chance flooding , for which avr= rage depths and velocities have been determined ; flood depths range from 1 to 3 feet . OFFFIRM An area located off of the Flood Insurance Rate Map . UNDES A body of water, such as a pond , lake , ocean , etc. , located within a communi 's jurisdictional limits that has no defined hazard . VE An area inundated by 1 % annual chance flooding with velocity azard (wave action ) ; no BFEs have been determined . X An area that is determined to be outside the 1 % and 0 . 2% annual chance flood plains . An area inundated by 0 . 2 % annual chance flooding ; an area inundated by X500 1 % annual chance flooding with average depths of less than 1 foot or with drainage areas of less than 1 square mile ; or an area protected by levees for 1 % annual chance flooding , The western portions of the City of Vero Beach are in the 500-year floodplain , while portions of the City located to the east of the coastal ridge are located in the AE zone . There are also portions of the barrier island in the City of Vero Beach that are subject to wave action . The Town of Indian River Shores , which is located entirely on the barrier island , has a great potential for flooding . The majority of the coastal land along the Atlantic Ocean is subject to wave action and is located in the NFIP VE flood zone . The remai ider of the land in Indian River Shores is located in the AE zone . 4- 10