Flood Zone Letters (Keene: sale, insurance, assessor)

[Suzet2262]

I have been looking at homes in Keene and a few other places. On the listing description there are letters next to where it says flood zone. What do the letters mean? I have searched and cant find anything that will tell me. So far I have seen flood zone, Y, N, and U. Thanks for your help

[DareToDream]

Suzet - I'm sure someone else can answer more definitively, but my guess would be:

Y=yes
N=no
U=unknown

[Suzet2262]

Originally Posted by windchimes03561

Suzet - I'm sure someone else can answer more definitively, but my guess would be:

Y=yes
N=no
U=unknown

Haha, thanks windchimes. I was thinking that is what those letters meant, but I wasnt sure. I didnt know if it was some tricky flooding lingo...lo. I have searched for some flood graphs also. But heck if I can read em...

[rmcewan]

If you have an address, this FEMA website will show the local flood zones:

https://hazards.fema.gov/femaportal/wps/portal

[Suzet2262]

Originally Posted by rmcewan

If you have an address, this FEMA website will show the local flood zones:

https://hazards.fema.gov/femaportal/wps/portal

Thank you rmcewan

[DareToDream]

Originally Posted by Suzet2262

Haha, thanks windchimes. I was thinking that is what those letters meant, but I wasnt sure. I didnt know if it was some tricky flooding lingo...lo. I have searched for some flood graphs also. But heck if I can read em...

Hi Suzet - We rented before we bought and had renter's insurance. When we bought our home, we asked the insurance company if the house was in a flood plain and they told us it wasn't.....so, if you still have problems with the graphs and stuff, you could always check with an insurance company and ask them.....maybe?

[Valerie C]

I must have been asleep at the wheel, never saw this post go by. You were right, windchimes, that the letters stand for Y=Yes, N=NO, U=Unknown.

However Suzet, do NOT take that listing sheet as gospel! There is a little disclaimer at the bottom (or somewhere) on every listing sheet that says "Subject to errors, ommissions, prior sale, change or withdrawl without notice", That little errors and ommissions mean that some information *could* be incorrect.

The bank will make darn sure to know if the property is or is not located within the flood zone...

[GregW]

Check with the town assessor or planning office. They have maps of flood zones and they will help you understand what the symbols mean. Basically a flood zone map is a modified topographic map with the area that may be expected to be flooded. The categories are probability values ranging from every year to almost never.

[Suzet2262]

Thanks everyone for your comments they were very helpful. The 2 homes we are looking both say N after flood zone, so I hope that is acurate. When we actually get out there, I will look more into it.

[Valerie C]

Suzet,
I would never presume to tell another agent how to do their job but IF you write up an offer on one of these homes (or any home actually...) you may want to consider asking your agent to add the provision that the sale is subject to the property NOT being in a flood zone.

You as a buyer are given a set amount of time (spelled out in the purchase and sale contract) to complete inspections of deed, property, etc. With this additional provision added in, even if you find out after that time period, you'd be covered.