Which of the following designations represents a lower risk flood zone?

Zone X is designated as a lower risk flood zone because it represents areas that are outside the 100-year floodplain, which is the area having a 1% chance of flooding in any given year. This zone includes areas determined to be at a minimal risk of flooding, often referred to as "low-risk" zones. Properties in Zone X typically do not require flood insurance, although it may still be recommended in certain situations.

The other zones listed have different flood risk levels. For instance, Zone A represents areas subject to inundation by the 1% annual chance flood (the base flood), indicating a higher risk. Similarly, Zone V refers to coastal areas at high risk of flooding and wave action, requiring stricter building standards. Zone AE represents areas that have a defined base flood elevation, which also indicates a higher risk because it is along the floodplain where specific elevations are established to mitigate flood impacts.