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 AE is the flood insurance rate zone that corresponds with flood depths greater than 3 feet. Mandatory flood insurance purchase requirements apply. Zone AH is the flood insurance rate zone that corresponds to areas of shallow flooding with average depths between 1 and 3 feet.
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.