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Flood zone

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RainyDay
LIF Adult

Member since 6/15

3986 total posts

Name:

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?

Posted 5/11/19 9:31 AM
 
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LBBCHGRL
LIF Infant

Member since 1/08

199 total posts

Name:

Re: Flood zone

Goto floodsmart.gov and look up the address to see if the home is actually listed in a flood zone.

Posted 5/13/19 9:55 AM
 

NYCGirl80
I love my kiddies!

Member since 5/11

10413 total posts

Name:

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.

Posted 5/13/19 10:29 AM
 

RainyDay
LIF Adult

Member since 6/15

3986 total posts

Name:

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?

Posted 5/13/19 11:21 AM
 
 

Potentially Related Topics:

Topic Posted By Started Replies Forum
What website do you go to find out if you are in a flood zone and if you are being/will be evaccuated? KGools 10/27/12 4 Families Helping Families ™
Can someone post the Flood Zone Map from the Suffolk County Website? 2BirdsofaFeather 8/26/11 0 Families Helping Families ™
If you are not in a flood zone, do you have flood insurance? Cheeks24 9/15/13 11 Home
Do you have flood insurance - even if you aren't in a flood zone? mrsboss 8/22/11 2 Home
Sorry to flood your board...but I have SO many questions.... johnsae 10/17/06 3 Pregnancy
OMG! flood in our basement! evnme 8/20/06 5 Families Helping Families ™
 
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