Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
I rented in Emerald Isle for about a year and in Newport for a year and a half. I had to move away for a job earlier this year but might move back and buy a house by February when I go back to virtual work.
I know home insurance varies on where the house is located on the flood maps. It will definitely not be oceanfront but walkable to beach access
I think I also remember hearing that NC was going to mandate how high a house is from the ground and that each town might have their own requirements. It might be 9 feet in one town and the next town over might be 10 feet? From what I heard they would no longer allow homes to be grandfathered in meaning homes sitting right on the ground would need to be lifted. Can someone tell me what happened with those discussions? and possibly give me some info on which parts of EI would have the best rates for insurance?
Thanks all! Always get such good information on City Data!
My understanding is older homes below the base flood elevation are in essence, grandfathered, but the premiums increase by a certain percent for each foot below the base flood elevation that the house is.
Large portions of Emerald Isle are in Zone X, which technically doesn't require flood insurance; it wouldn't be expensive to purchase it in these areas if the house is elevated.
Accept the disclaimer, then turn on the flood zone layer. Then, for example, I see some higher spots near the south tip of the island around White Sands Drive, Gulfstream Drive, and Sandfiddler East. Other high spots at the aptly named Dune Ridge Court and Osprey Ridge.
Naturally, I can't guarantee your flood insurance costs. I think the best you can find are shaded X zones. The higher risk flood zones are AE and AV. If you find a house you like, check the address at Floodsmart.gov
Last edited by goldenage1; 08-24-2015 at 12:28 PM..
Large portions of Emerald Isle are in Zone X, which technically doesn't require flood insurance; it wouldn't be expensive to purchase it in these areas if the house is elevated.
Only the bottom left corner of my property (5 ' x 2 ') is in the VE zone yet they classify my property as VE? The house itself is 30 feet from the VE zone.
Please register to post and access all features of our very popular forum. It is free and quick. Over $68,000 in prizes has already been given out to active posters on our forum. Additional giveaways are planned.
Detailed information about all U.S. cities, counties, and zip codes on our site: City-data.com.
Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
