Properties in Zone X are at a lower risk of flooding compared to high-risk zones, but the risk is not zero. Zone X shaded areas, with a 0.2% annual chance of flooding, are at moderate risk, while Zone X unshaded areas face minimal risk. Flooding can still occur due to localized heavy rainfall, storm surges, or drainage issues. Homeowners in Zone X are not federally required to purchase flood insurance, but they should consider it, especially if their property is near high-risk zones or has a history of flooding. The average NFIP premium for Zone X properties is $718 per year, significantly lower than the $1,154 average for high-risk Zone AE properties.