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What is the difference between the HVHZ (High Velocity Hurricane Zone) and the Wind-Borne Debris Region in Florida Building Code?

Tuesday, September 29, 2020

The HVHZ (High Velocity Hurricane Zone) Is Dade and Broward counties, which are located at the bottom of the Florida peninsula on the east coast. The Florida Building Code (FBC) has special hurricane-resistant construction standards for this zone.

The HVHZ is part of the larger Wind-Borne Debris region, which encompasses the areas where the maximum design wind speed is 140 mph or more in the 2017 map above, plus within one mile of the coast in the 130 mph wind zone. This is indicated by gray areas, and heavy dashed lines along the coast within the 130 mph zone.

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Here’s links to a collection of our blog posts about the WIND MITIGATION FORM:

• Why did I get no discounts or only a small discount from my wind mitigation inspection?

How long does a wind mitigation inspection remain valid? 

 Who can perform a wind mitigation inspection in Florida?

• How long does it take for a wind mitigation inspection? 

• What is checked during a wind mitigation inspection? 

Is a wind mitigation inspection report (OIR-B1-1802) required for homeowners insurance in Florida? 

Which building permit date is used for the Building Code section of the wind mitigation form? 

What are the different roof deck attachment discount categories for a wind mitigation inspection?


What determines the year of a house? 

What is the difference between a toe nail, clip, single wrap, and double wrap for the wind mitigation form?

Can I do my own wind mitigation inspection?   

What’s the difference between a gable and hip roof for my insurance? 

• What is the wind mitigation inspection for homeowner's insurance?  

How can I tell how hurricane resistant a Florida house is before I buy it?

What is a wind mitigation discount? 

Do I get a a discount for partial hurricane shutters in a Wind Mitigation inspection?

• Why did I get no discount for roof-to-wall-attachment in my Wind Mitigation report? 

 What’s the difference between a four-point and wind mitigation inspection?

   Visit our INSURANCE page for other related blog posts on this subject, or go to the INDEX for a complete listing of all our articles. 

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