FEMA Flood Zone Search
- Thread starter BMWTurboDzl
- Start date
Thanks for the link! I'm still in the clear.
Funny thing though, some more inland areas flood easily, but are still not in the flood zone.
Funny thing though, some more inland areas flood easily, but are still not in the flood zone.
I'm in a flood zone but the map is a bit optimistic with the projections over time. It usually floods here bad every 10 years and every 5 enough to cause issues. But there is a bridge upstream about a mile that has on occasion gotten blocked by a log jam. That really skews the flooding effect when it happens. Thankfully the State DOT is on the job, wasn't the case in 1979. there is also a government run river level gauge online I can monitor.
One of my neighbors built a fairly new home here. He decided to do one of those equity loans where they own the house at the end. But when he got the loan he had to buy flood insurance and the money was just about negated, insurance costing as much as his monthly equity check.. He did come out ahead though in 2018 when the worst flooding I have seen in 45 years here. He also found out his floor isn't level....
One of my neighbors built a fairly new home here. He decided to do one of those equity loans where they own the house at the end. But when he got the loan he had to buy flood insurance and the money was just about negated, insurance costing as much as his monthly equity check.. He did come out ahead though in 2018 when the worst flooding I have seen in 45 years here. He also found out his floor isn't level....
That's the cool thing about it. The government can just change them at any time, not have to explain it and you get another hundred dollars or more tacked on to your house payment for flood insurance.
It doesn't work that way but believe what you want.
I’m right by the water. I’ve been through a couple of hurricanes. The linked map is accurate. Flood insurance here has doubled since we bought in 2007 - but the property value has more than doubled and the risk has gone up.
Do you get private flood insurance or FEMA?
My FEMA flood rates have doubled, however my insurance value has always been at the FEMA cap - which from memory is only $350K. So I am paying double for the same max pay out. My zone was re done in around 2017 and did not change (zone X, 0.2% so basically 500 year zone). This was after the "1000 year flood" here in I think 2015, and we did not flood, although I know flooding can have a lot to do with local things also.
Ours is through USAA, though I think everything is ultimately administered by FEMA.
Explain it to me like I took an experimental vaccine for a doughnut.
The National Flood insurance program won't keep paying claims for the same property. I believe it's two claims after which you can either raise the house (which happened in NJ after Sandy) or move the house (FEMA paid to move the farm house of a coworker's elderly mother).
If one wants to build in a flood zone without paying for flood insurance then elevate the house and obtain an elevation certificate.
If you want data to look over.
https://www.fema.gov/about/reports-and-data
Nothing on them just adding flood zones or expanding them?
There's a news release and I imagine their data is buried in the other link. . The link in my original lists flood zones and the date it was designated.
