05-12-2010, 09:08 AM
49 posts, read
167,504 times
Reputation: 20
I just found out my house is in a flood zone A in Willowcove in Nocatee. I am to believe this means it has yet to be measured. I was just wondering if anyone had any insight as to how much or oftent this area would flood. Our elevation cert. states that our lot has been elevated 3 feet all around. I am moving from out of state and cant go and look at mylot when it rains heavily or anything. The developers have LOMC out ot try and improve the flood zone rating there. Any insight would be great.
05-12-2010, 09:57 AM
615 posts, read
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Reputation: 187
We moved from Louisiana, where just about everything is in a flood zone. Flood Zone A (at least in my experience) meant it DID flood, and flood insurance was required. We always lived in a Zone C, which didn't require flood insurance. Is the lot on the water??
05-12-2010, 11:23 AM
530 posts, read
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Reputation: 198
Don't be overly concerned, this is an issue that comes up a lot . It happened in our previous home in South Hampton, and happened in our current home in Nocatee. You need to fight it. Get all the info you have including the raise in the elevation. The re-zoning will happen in its own time, but even then this will come up as an issues in sale after sale. It is just slow for the insurers to get the updated info. I ended up paying a premium of a couple hundred a year just too be covered anyway, as it always good to have flood insurance, but I can almost guarantee you will not end up having to pay a flood zone A premium.
05-12-2010, 12:39 PM
Location: Ponte Vedra Beach FL
14,617 posts, read
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Reputation: 6794
You can look up the designation on the FEMA website (they have maps where you can look up your place by address):
FEMA Map Service Center -
An A zone means:
"Areas with a 1% annual chance of flooding and a 26% chance of flooding over the life of a 30-year mortgage. Because detailed analyses are not performed for such areas; no depths or base flood elevations are shown within these zones."
And you MUST buy federal flood insurance (it's required by law).
Note that this has nothing to do with re-zoning - FEMA draws the maps (although they do change from time to time). And what you are 3 feet above? Is this from an official State of Florida elevation certificate? Has your house been built yet?
A lot of the land in this area is swamp land (I know that by driving through it - and also because a lot of the land in the Nocatee area is an A on the FEMA maps). If you're 3 feet above sea level - that is not very high. Robyn
05-12-2010, 01:22 PM
49 posts, read
167,504 times
Reputation: 20
No we are 3 feet above the highest point on our lot. The developer is rezoning with a LOMAR, so until that happens we have to be covered. This is from an official elevation certificate. Our premiun is not that much because of our elevation cert. but I was just wondering if anyone has flooding issues in this area with high rains
05-12-2010, 02:00 PM
Location: Ponte Vedra Beach FL
14,617 posts, read
21,479,126 times
Reputation: 6794
Quote:
Originally Posted by
hlauburn
We moved from Louisiana, where just about everything is in a flood zone. Flood Zone A (at least in my experience) meant it DID flood, and flood insurance was required. We always lived in a Zone C, which didn't require flood insurance. Is the lot on the water??Flood Zone Definitions (http://www.floodinsights.com/floodlookups/floodzon.htm - broken link)
It really depends on how a place is/was developed IMO (the last FEMA map in this area is from 2004). The amount of fill dirt that's used - the drainage situation - how high the house is elevated - etc. - etc. Don't know why the developer didn't get a Letter of Map Change (LOMC) a long time ago if he thought it was warranted. Robyn
05-12-2010, 03:01 PM
49 posts, read
167,504 times
Reputation: 20
They did apply awhile back but it takes time from what I understand
05-12-2010, 03:32 PM
Location: Ponte Vedra Beach FL
14,617 posts, read
21,479,126 times
Reputation: 6794
Quote:
Originally Posted by
hbondra
No we are 3 feet above the highest point on our lot. The developer is rezoning with a LOMAR, so until that happens we have to be covered. This is from an official elevation certificate. Our premiun is not that much because of our elevation cert. but I was just wondering if anyone has flooding issues in this area with high rains
Well we live in Ponte Vedra Beach - not Nocatee - but I suspect the areas are similar (we may be a bit higher and drier). And about 3-4 years ago - we had a *lot* of rain (not a tropical storm) - over a period of a week or so. Sewers - drainage systems - retention ponds - etc. backed up/overflowed and flooded a lot of homes/businesses all over the greater Jax area (including part of our community). So whether or not you have to get flood insurance (assuming your flood zone is changed) - get it.
Also note that all those things called "nature preserves" in the Nocatee area are probably tidal wetlands (we have one in our back yard - and I call it a swamp
). Highest water we ever had was when Hurricane Floyd passed offshore about 10 years ago. Tidal waters were about 6 feet above sea level. That would be a second reason to get flood insurance.
BTW - if you're not familiar with flood insurance - remember that there is both structure and contents coverage. Whoever does your homeowners' insurance can act as your agent for your flood insurance (the agent/company will get a small servicing fee from the federal government). Robyn
05-12-2010, 03:35 PM
615 posts, read
1,712,177 times
Reputation: 187
And flood insurance is usually very inexpensive. We have never been required to have it, but we have always had a policy on our houses, floor zone or not. For under $400 a year, its not worth the risk if something happens that HO insurance doesn't cover.
05-12-2010, 05:22 PM
Location: Jacksonville, FL (Mandarin)
2,560 posts, read
6,498,609 times
Reputation: 1840
Quote:
Originally Posted by
hlauburn
And flood insurance is usually very inexpensive.
Not completely accurate. If you're "required" to have it, then that means you're property is prone to flooding, therefore the risk to the ins co. is higher. That equates to higher premiums for some policyholders.
Please register City-data.com
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Educational Attainment - No schooling completed (%)
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Urban houses (%)
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Households with people 65 years and over (%)
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Geographical mobility - Same house 1 year ago (%)
Geographical mobility - Moved within same county (%)
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Place of birth - Born in state of residence (%)
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Housing units in structures - 1, detached (%)
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Housing units in structures - Mobile home (%)
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House/condo owner moved in on average (years ago)
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Year householder moved into unit - Moved in 1999 to March 2000 (%)
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Means of transportation to work - Drove car alone (%)
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Working at home (%)
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Most Common Occupations - Food preparation and serving related occupations (%)
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Most Common Occupations - Natural resources, construction, and maintenance occupations (%)
Most Common Occupations - Farming, fishing, and forestry occupations (%)
Most Common Occupations - Construction and extraction occupations (%)
Most Common Occupations - Installation, maintenance, and repair occupations (%)
Most Common Occupations - Production, transportation, and material moving occupations (%)
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People in Group quarters - Institutionalized population (%)
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People in Group quarters - Military disciplinary barracks (%)
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People in Group quarters - Nursing homes (%)
People in Group quarters - Hospitals/wards, hospices, and schools for the handicapped (%)
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People in Group quarters - Orthopedic wards and institutions for the physically handicapped (%)
People in Group quarters - Wards in general hospitals for patients who have no usual home elsewhere (%)
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People in Group quarters - Training schools for juvenile delinquents (%)
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People in Group quarters - Type of juvenile institution unknown (%)
People in Group quarters - Noninstitutionalized population (%)
People in Group quarters - College dormitories (includes college quarters off campus) (%)
People in Group quarters - Military quarters (%)
People in Group quarters - On base (%)
People in Group quarters - Barracks, unaccompanied personnel housing (UPH), (Enlisted/Officer), ;and similar group living quarters for military personnel (%)
People in Group quarters - Transient quarters for temporary residents (%)
People in Group quarters - Military ships (%)
People in Group quarters - Group homes (%)
People in Group quarters - Homes or halfway houses for drug/alcohol abuse (%)
People in Group quarters - Homes for the mentally ill (%)
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People in Group quarters - Other group homes (%)
People in Group quarters - Religious group quarters (%)
People in Group quarters - Dormitories (%)
People in Group quarters - Agriculture workers' dormitories on farms (%)
People in Group quarters - Job Corps and vocational training facilities (%)
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People in Group quarters - Crews of maritime vessels (%)
People in Group quarters - Other nonhousehold living situations (%)
People in Group quarters - Other noninstitutional group quarters (%)
Residents speaking English at home (%)
Residents speaking English at home - Born in the United States (%)
Residents speaking English at home - Native, born elsewhere (%)
Residents speaking English at home - Foreign born (%)
Residents speaking Spanish at home (%)
Residents speaking Spanish at home - Born in the United States (%)
Residents speaking Spanish at home - Native, born elsewhere (%)
Residents speaking Spanish at home - Foreign born (%)
Residents speaking other language at home (%)
Residents speaking other language at home - Born in the United States (%)
Residents speaking other language at home - Native, born elsewhere (%)
Residents speaking other language at home - Foreign born (%)
Class of Workers - Employee of private company (%)
Class of Workers - Self-employed in own incorporated business (%)
Class of Workers - Private not-for-profit wage and salary workers (%)
Class of Workers - Local government workers (%)
Class of Workers - State government workers (%)
Class of Workers - Federal government workers (%)
Class of Workers - Self-employed workers in own not incorporated business and Unpaid family workers (%)
House heating fuel used in houses and condos - Utility gas (%)
House heating fuel used in houses and condos - Bottled, tank, or LP gas (%)
House heating fuel used in houses and condos - Electricity (%)
House heating fuel used in houses and condos - Fuel oil, kerosene, etc. (%)
House heating fuel used in houses and condos - Coal or coke (%)
House heating fuel used in houses and condos - Wood (%)
House heating fuel used in houses and condos - Solar energy (%)
House heating fuel used in houses and condos - Other fuel (%)
House heating fuel used in houses and condos - No fuel used (%)
House heating fuel used in apartments - Utility gas (%)
House heating fuel used in apartments - Bottled, tank, or LP gas (%)
House heating fuel used in apartments - Electricity (%)
House heating fuel used in apartments - Fuel oil, kerosene, etc. (%)
House heating fuel used in apartments - Coal or coke (%)
House heating fuel used in apartments - Wood (%)
House heating fuel used in apartments - Solar energy (%)
House heating fuel used in apartments - Other fuel (%)
House heating fuel used in apartments - No fuel used (%)
Armed forces status - In Armed Forces (%)
Armed forces status - Civilian (%)
Armed forces status - Civilian - Veteran (%)
Armed forces status - Civilian - Nonveteran (%)
Fatal accidents locations in years 2005-2021
Fatal accidents locations in 2005
Fatal accidents locations in 2006
Fatal accidents locations in 2007
Fatal accidents locations in 2008
Fatal accidents locations in 2009
Fatal accidents locations in 2010
Fatal accidents locations in 2011
Fatal accidents locations in 2012
Fatal accidents locations in 2013
Fatal accidents locations in 2014
Fatal accidents locations in 2015
Fatal accidents locations in 2016
Fatal accidents locations in 2017
Fatal accidents locations in 2018
Fatal accidents locations in 2019
Fatal accidents locations in 2020
Fatal accidents locations in 2021
Alcohol use - People drinking some alcohol every month (%)
Alcohol use - People not drinking at all (%)
Alcohol use - Average days/month drinking alcohol
Alcohol use - Average drinks/week
Alcohol use - Average days/year people drink much
Audiometry - Average condition of hearing (%)
Audiometry - People that can hear a whisper from across a quiet room (%)
Audiometry - People that can hear normal voice from across a quiet room (%)
Audiometry - Ears ringing, roaring, buzzing (%)
Audiometry - Had a job exposure to loud noise (%)
Audiometry - Had off-work exposure to loud noise (%)
Blood Pressure & Cholesterol - Has high blood pressure (%)
Blood Pressure & Cholesterol - Checking blood pressure at home (%)
Blood Pressure & Cholesterol - Frequently checking blood cholesterol (%)
Blood Pressure & Cholesterol - Has high cholesterol level (%)
Consumer Behavior - Money monthly spent on food at supermarket/grocery store
Consumer Behavior - Money monthly spent on food at other stores
Consumer Behavior - Money monthly spent on eating out
Consumer Behavior - Money monthly spent on carryout/delivered foods
Consumer Behavior - Income spent on food at supermarket/grocery store (%)
Consumer Behavior - Income spent on food at other stores (%)
Consumer Behavior - Income spent on eating out (%)
Consumer Behavior - Income spent on carryout/delivered foods (%)
Current Health Status - General health condition (%)
Current Health Status - Blood donors (%)
Current Health Status - Has blood ever tested for HIV virus (%)
Current Health Status - Left-handed people (%)
Dermatology - People using sunscreen (%)
Diabetes - Diabetics (%)
Diabetes - Had a blood test for high blood sugar (%)
Diabetes - People taking insulin (%)
Diet Behavior & Nutrition - Diet health (%)
Diet Behavior & Nutrition - Milk product consumption (# of products/month)
Diet Behavior & Nutrition - Meals not home prepared (#/week)
Diet Behavior & Nutrition - Meals from fast food or pizza place (#/week)
Diet Behavior & Nutrition - Ready-to-eat foods (#/month)
Diet Behavior & Nutrition - Frozen meals/pizza (#/month)
Drug Use - People that ever used marijuana or hashish (%)
Drug Use - Ever used hard drugs (%)
Drug Use - Ever used any form of cocaine (%)
Drug Use - Ever used heroin (%)
Drug Use - Ever used methamphetamine (%)
Health Insurance - People covered by health insurance (%)
Kidney Conditions-Urology - Avg. # of times urinating at night
Medical Conditions - People with asthma (%)
Medical Conditions - People with anemia (%)
Medical Conditions - People with psoriasis (%)
Medical Conditions - People with overweight (%)
Medical Conditions - Elderly people having difficulties in thinking or remembering (%)
Medical Conditions - People who ever received blood transfusion (%)
Medical Conditions - People having trouble seeing even with glass/contacts (%)
Medical Conditions - People with arthritis (%)
Medical Conditions - People with gout (%)
Medical Conditions - People with congestive heart failure (%)
Medical Conditions - People with coronary heart disease (%)
Medical Conditions - People with angina pectoris (%)
Medical Conditions - People who ever had heart attack (%)
Medical Conditions - People who ever had stroke (%)
Medical Conditions - People with emphysema (%)
Medical Conditions - People with thyroid problem (%)
Medical Conditions - People with chronic bronchitis (%)
Medical Conditions - People with any liver condition (%)
Medical Conditions - People who ever had cancer or malignancy (%)
Mental Health - People who have little interest in doing things (%)
Mental Health - People feeling down, depressed, or hopeless (%)
Mental Health - People who have trouble sleeping or sleeping too much (%)
Mental Health - People feeling tired or having little energy (%)
Mental Health - People with poor appetite or overeating (%)
Mental Health - People feeling bad about themself (%)
Mental Health - People who have trouble concentrating on things (%)
Mental Health - People moving or speaking slowly or too fast (%)
Mental Health - People having thoughts they would be better off dead (%)
Oral Health - Average years since last visit a dentist
Oral Health - People embarrassed because of mouth (%)
Oral Health - People with gum disease (%)
Oral Health - General health of teeth and gums (%)
Oral Health - Average days a week using dental floss/device
Oral Health - Average days a week using mouthwash for dental problem
Oral Health - Average number of teeth
Pesticide Use - Households using pesticides to control insects (%)
Pesticide Use - Households using pesticides to kill weeds (%)
Physical Activity - People doing vigorous-intensity work activities (%)
Physical Activity - People doing moderate-intensity work activities (%)
Physical Activity - People walking or bicycling (%)
Physical Activity - People doing vigorous-intensity recreational activities (%)
Physical Activity - People doing moderate-intensity recreational activities (%)
Physical Activity - Average hours a day doing sedentary activities
Physical Activity - Average hours a day watching TV or videos
Physical Activity - Average hours a day using computer
Physical Functioning - People having limitations keeping them from working (%)
Physical Functioning - People limited in amount of work they can do (%)
Physical Functioning - People that need special equipment to walk (%)
Physical Functioning - People experiencing confusion/memory problems (%)
Physical Functioning - People requiring special healthcare equipment (%)
Prescription Medications - Average number of prescription medicines taking
Preventive Aspirin Use - Adults 40+ taking low-dose aspirin (%)
Reproductive Health - Vaginal deliveries (%)
Reproductive Health - Cesarean deliveries (%)
Reproductive Health - Deliveries resulted in a live birth (%)
Reproductive Health - Pregnancies resulted in a delivery (%)
Reproductive Health - Women breastfeeding newborns (%)
Reproductive Health - Women that had a hysterectomy (%)
Reproductive Health - Women that had both ovaries removed (%)
Reproductive Health - Women that have ever taken birth control pills (%)
Reproductive Health - Women taking birth control pills (%)
Reproductive Health - Women that have ever used Depo-Provera or injectables (%)
Reproductive Health - Women that have ever used female hormones (%)
Sexual Behavior - People 18+ that ever had sex (vaginal, anal, or oral) (%)
Sexual Behavior - Males 18+ that ever had vaginal sex with a woman (%)
Sexual Behavior - Males 18+ that ever performed oral sex on a woman (%)
Sexual Behavior - Males 18+ that ever had anal sex with a woman (%)
Sexual Behavior - Males 18+ that ever had any sex with a man (%)
Sexual Behavior - Females 18+ that ever had vaginal sex with a man (%)
Sexual Behavior - Females 18+ that ever performed oral sex on a man (%)
Sexual Behavior - Females 18+ that ever had anal sex with a man (%)
Sexual Behavior - Females 18+ that ever had any kind of sex with a woman (%)
Sexual Behavior - Average age people first had sex
Sexual Behavior - Average number of female sex partners in lifetime (males 18+)
Sexual Behavior - Average number of female vaginal sex partners in lifetime (males 18+)
Sexual Behavior - Average age people first performed oral sex on a woman (18+)
Sexual Behavior - Average number of woman performed oral sex on in lifetime (18+)
Sexual Behavior - Average number of male sex partners in lifetime (males 18+)
Sexual Behavior - Average number of male anal sex partners in lifetime (males 18+)
Sexual Behavior - Average age people first performed oral sex on a man (18+)
Sexual Behavior - Average number of male oral sex partners in lifetime (18+)
Sexual Behavior - People using protection when performing oral sex (%)
Sexual Behavior - Average number of times people have vaginal or anal sex a year
Sexual Behavior - People having sex without condom (%)
Sexual Behavior - Average number of male sex partners in lifetime (females 18+)
Sexual Behavior - Average number of male vaginal sex partners in lifetime (females 18+)
Sexual Behavior - Average number of female sex partners in lifetime (females 18+)
Sexual Behavior - Circumcised males 18+ (%)
Sleep Disorders - Average hours sleeping at night
Sleep Disorders - People that has trouble sleeping (%)
Smoking-Cigarette Use - People smoking cigarettes (%)
Taste & Smell - People 40+ having problems with smell (%)
Taste & Smell - People 40+ having problems with taste (%)
Taste & Smell - People 40+ that ever had wisdom teeth removed (%)
Taste & Smell - People 40+ that ever had tonsils teeth removed (%)
Taste & Smell - People 40+ that ever had a loss of consciousness because of a head injury (%)
Taste & Smell - People 40+ that ever had a broken nose or other serious injury to face or skull (%)
Taste & Smell - People 40+ that ever had two or more sinus infections (%)
Weight - Average height (inches)
Weight - Average weight (pounds)
Weight - Average BMI
Weight - People that are obese (%)
Weight - People that ever were obese (%)
Weight - People trying to lose weight (%)
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). Highest water we ever had was when Hurricane Floyd passed offshore about 10 years ago. Tidal waters were about 6 feet above sea level. That would be a second reason to get flood insurance.
