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neener1211
:-)
Member since 4/07 22952 total posts
Name:
J
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New Maps put 25,00 homeowners in flood areas
check your house and the article
here
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Posted 8/12/09 9:15 AM  |
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Prudential Douglas Elliman Real Estate
Long Island's Largest Bridal Resource | Long Island Weddings |
Nifheim
allo
Member since 1/09 5476 total posts
Name:
Jennifer
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Re: New Maps put 25,00 homeowners in flood areas
whoo hoo our new house is not in a flood zone!
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| Posted 8/12/09 9:43 AM |
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neener1211
:-)
Member since 4/07 22952 total posts
Name:
J
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Re: New Maps put 25,00 homeowners in flood areas
neither is ours...thank goodness.
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| Posted 8/12/09 9:44 AM |
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jgl
Love my little boys!!!
Member since 8/07 7060 total posts
Name:
g
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Re: New Maps put 25,00 homeowners in flood areas
can someone explain to me how you tell if you are or are not in the flood zone? i went to the site, put in my address and got the report but i have no idea what i am looking at.
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| Posted 8/12/09 10:19 AM |
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neener1211
:-)
Member since 4/07 22952 total posts
Name:
J
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Re: New Maps put 25,00 homeowners in flood areas
Posted by jgl
can someone explain to me how you tell if you are or are not in the flood zone? i went to the site, put in my address and got the report but i have no idea what i am looking at.
When you see the report, what does it say in Zone? If it says B, C, or X, you are not in a flood zone and will not have to buy flood insurance.
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| Posted 8/12/09 10:33 AM |
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jgl
Love my little boys!!!
Member since 8/07 7060 total posts
Name:
g
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Re: New Maps put 25,00 homeowners in flood areas
Posted by neener1211
Posted by jgl
can someone explain to me how you tell if you are or are not in the flood zone? i went to the site, put in my address and got the report but i have no idea what i am looking at.
When you see the report, what does it say in Zone? If it says B, C, or X, you are not in a flood zone and will not have to buy flood insurance.
ok then i am safe where i am in oceanside, which is what i figured, but you never know! thanks
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| Posted 8/12/09 10:37 AM |
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BaroqueMama
Chase is one!
Member since 5/05 27530 total posts
Name:
me
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Re: New Maps put 25,00 homeowners in flood areas
Lucky us. We're in the zone now.  Just called our insurance agent.
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| Posted 8/12/09 10:56 AM |
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happytobreathe
The Lazy Days of Summer
Member since 10/06 1413 total posts
Name:
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Re: New Maps put 25,00 homeowners in flood areas
Woo I made it through the new guidelines!
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| Posted 8/12/09 11:15 AM |
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maymama
my little loves
Member since 8/08 18453 total posts
Name:
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Re: New Maps put 25,00 homeowners in flood areas
phew, we made it too! 
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| Posted 8/12/09 11:21 AM |
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Re: New Maps put 25,00 homeowners in flood areas
Oh no, the places I want to live are all in the zone
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| Posted 8/12/09 2:54 PM |
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LINewbie
Tigger the the Rescue!
Member since 8/08 5647 total posts
Name:
LB
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Re: New Maps put 25,00 homeowners in flood areas
Is there a better link?
The map link doesn't work (file not found) and when i click for suffolk, it takes me to a page about Suffolk Bancorp  I hate the new newsday site 
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| Posted 8/12/09 6:25 PM |
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LemonHead
Sour Girl
Member since 3/08 5271 total posts
Name:
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Re: New Maps put 25,00 homeowners in flood areas
Yay! I just made it outside of the flood zone.
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| Posted 8/12/09 7:08 PM |
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Beth
The Key to your new home....
Member since 2/06 24849 total posts
Name:
Beth
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Re: New Maps put 25,00 homeowners in flood areas
All of long beach is now- we got a letter in the mail the other day
I honestly can't believe it wasn't
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| Posted 8/12/09 8:09 PM |
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CouponKT
Our family is complete
Member since 6/06 16494 total posts
Name:
K
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Re: New Maps put 25,00 homeowners in flood areas
Posted by LINewbie
Is there a better link?
The map link doesn't work (file not found) and when i click for suffolk, it takes me to a page about Suffolk Bancorp I hate the new newsday site
Click on the "click here" part of the sentence, NOT the word Suffolk
I did the same thing 
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| Posted 8/12/09 9:03 PM |
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Blazesyth
*yawn*
Member since 5/05 8129 total posts
Name:
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Re: New Maps put 25,00 homeowners in flood areas
I don't know if it's as simple as looking for an X in the zone. There seems to be conflicting info.
For example, here is the info for our house:
PROPOSED
SFHA: Yes
Zone: X
EFFECTIVE
SFHA: No
Zone: X
SFHA says this:
Special Flood Hazard Area (SFHA)
The areas subject to inundation by the 1% annual chance (100-year) flood. Structures located in the SFHA that carry a mortgage loan backed by a federally regulated lender REQUIRE flood insurance.
But Zone descriptions say this:
Zone Descriptions
B, C, and X
Areas outside the 1-percent annual chance floodplain, areas of 1% annual chance sheet flow flooding where average depths are less than 1 foot, areas of 1% annual chance stream flooding where the contributing drainage area is less than 1 square mile, or areas protected from the 1% annual chance flood by levees. No Base Flood Elevations or depths are shown within this zone. Insurance purchase is NOT REQUIRED in these zones.
So my SFHA says it is required, but my zone description says it's not....
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| Posted 8/12/09 9:42 PM |
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Yankees21
LIF Zygote
Member since 11/07 40 total posts
Name:
Billis
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Re: New Maps put 25,00 homeowners in flood areas
Posted by Blazesyth
I don't know if it's as simple as looking for an X in the zone. There seems to be conflicting info.
For example, here is the info for our house:
PROPOSED
SFHA: Yes
Zone: X
EFFECTIVE
SFHA: No
Zone: X
SFHA says this:
Special Flood Hazard Area (SFHA)
The areas subject to inundation by the 1% annual chance (100-year) flood. Structures located in the SFHA that carry a mortgage loan backed by a federally regulated lender REQUIRE flood insurance.
But Zone descriptions say this:
Zone Descriptions
B, C, and X
Areas outside the 1-percent annual chance floodplain, areas of 1% annual chance sheet flow flooding where average depths are less than 1 foot, areas of 1% annual chance stream flooding where the contributing drainage area is less than 1 square mile, or areas protected from the 1% annual chance flood by levees. No Base Flood Elevations or depths are shown within this zone. Insurance purchase is NOT REQUIRED in these zones.
So my SFHA says it is required, but my zone description says it's not....
Our house says the same thing. I think because it says Yes for SFHA that means we need insurance even though the zone says we do not.
This is really confusing. I guess we are going to have to call our insurance companies to find out.
The good thing is homeowners can reduce the cost of a flood policy by buying coverage before Sept. 11 in Nassau and Sept. 25 in Suffolk — when the new FEMA maps become official.
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| Posted 8/12/09 10:58 PM |
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ODonnell
.
Member since 9/05 5983 total posts
Name:
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Re: New Maps put 25,00 homeowners in flood areas
Ugh. Looks like we are going to need it.
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| Posted 8/13/09 7:55 AM |
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headoverheels
s'il vous plaît
Member since 6/07 42079 total posts
Name:
LB
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Re: New Maps put 25,00 homeowners in flood areas
Posted by Yankees21
Posted by Blazesyth
I don't know if it's as simple as looking for an X in the zone. There seems to be conflicting info.
For example, here is the info for our house:
PROPOSED
SFHA: Yes
Zone: X
EFFECTIVE
SFHA: No
Zone: X
SFHA says this:
Special Flood Hazard Area (SFHA)
The areas subject to inundation by the 1% annual chance (100-year) flood. Structures located in the SFHA that carry a mortgage loan backed by a federally regulated lender REQUIRE flood insurance.
But Zone descriptions say this:
Zone Descriptions
B, C, and X
Areas outside the 1-percent annual chance floodplain, areas of 1% annual chance sheet flow flooding where average depths are less than 1 foot, areas of 1% annual chance stream flooding where the contributing drainage area is less than 1 square mile, or areas protected from the 1% annual chance flood by levees. No Base Flood Elevations or depths are shown within this zone. Insurance purchase is NOT REQUIRED in these zones.
So my SFHA says it is required, but my zone description says it's not....
Our house says the same thing. I think because it says Yes for SFHA that means we need insurance even though the zone says we do not.
This is really confusing. I guess we are going to have to call our insurance companies to find out.
The good thing is homeowners can reduce the cost of a flood policy by buying coverage before Sept. 11 in Nassau and Sept. 25 in Suffolk — when the new FEMA maps become official.
our house says the same thing - i THINK this means that even though technically now we are not in a flood zone it has been "proposed" that the parameters be changed which would mean we are in a flood zone. i also think that it means that if you have a federally insured loan (like FHA) that if you are code X but SFHA, you still need flood insurance.
i wish i knew who to talk to about this!!
ETA: OMG i need coffe hi danny! 
Message edited 8/13/2009 9:27:25 AM.
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| Posted 8/13/09 8:50 AM |
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LINewbie
Tigger the the Rescue!
Member since 8/08 5647 total posts
Name:
LB
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Re: New Maps put 25,00 homeowners in flood areas
Posted by CouponMom
Posted by LINewbie
Is there a better link?
The map link doesn't work (file not found) and when i click for suffolk, it takes me to a page about Suffolk Bancorp I hate the new newsday site
Click on the "click here" part of the sentence, NOT the word Suffolk
I did the same thing
Ohhhhhhh! Thank you.
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| Posted 8/16/09 10:16 AM |
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