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RainyDay
LIF Adult
Member since 6/15 3989 total posts
Name:
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Flood zone
What is the best way to confirm if a home is in a flood zone? We really liked a house, which sits near a lake. The seller's agent told ours it's not in a flood zone. I've spoke to Geico, where we had our old homeowner's insurance and they determined it is. I also spoke with an insurance broker who would be able to get us a policy through a private company and she also said it falls in a flood zone.
I just looked at the listing again, and now they have added to the description that it is NOT in a flood area.
I should know better than to listen to the seller's agent without proof just not sure if I should be checking something else?
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Posted 5/11/19 9:31 AM |
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Prudential Douglas Elliman Real Estate
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LBBCHGRL
LIF Infant
Member since 1/08 199 total posts
Name:
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Re: Flood zone
Goto floodsmart.gov and look up the address to see if the home is actually listed in a flood zone.
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Posted 5/13/19 9:55 AM |
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NYCGirl80
I love my kiddies!
Member since 5/11 10413 total posts
Name:
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Re: Flood zone
I used the FEMA search when we were house hunting: https://msc.fema.gov/portal/search
Also, when you say "in a flood zone" there are different categories. So for example, I'm flood zone X, which everyone refers to as "not in a flood zone." People refer to AE as a FZ. But, since our house is within 1,000 feet of water, we're still required to carry flood insurance. It's a minimal cost each year, but still a requirement by our mortgage company and our insurance company to carry the homeowner's policy.
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Posted 5/13/19 10:29 AM |
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RainyDay
LIF Adult
Member since 6/15 3989 total posts
Name:
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Flood zone
Ok so I just checked and it looks like the back of the property falls within the range of zone A, so I would think the property will require flood insurance?
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Posted 5/13/19 11:21 AM |
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