Internal. The ultimate sources of variation, the source of new heritable characteristics in populations and species, are due to mutation and recombination in chromosomes, genes, DNA.
Zone VE is the flood insurance rate zone that corresponds to coastal areas that have additional hazards associated with storm waves. Mandatory flood insurance requirements apply. Zone X and Zone X-500 are flood insurance rate zones that are outside the flood plain or with average flood depths of less than 1 foot.
Property Owners Can Take Advantage of âGrandfatheringâ. If a property is mapped into a high-risk area (shown as a zone labeled with letters starting with âAâ or âVâ) and the owner has a mortgage through a federally regulated or insured lender, flood insurance will be required when the FIRM becomes effective.