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Old 10-28-2013, 07:52 PM
 
Location: Port Charlotte
320 posts, read 244,379 times
Reputation: 141

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Here is the article from the Miami Herald regarding the delay of the rate increase.

Congressional accord reached on flood insurance rate delay | Naked Politics
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Old 10-28-2013, 08:05 PM
 
Location: Englewood, FL
1,152 posts, read 1,244,391 times
Reputation: 926
Quote:
Originally Posted by Harbor Hopper View Post
I can find nowhere online where it states my BFE. Everything is related to NY/NJ. My neighbors and I are all about the same elevation, 9-10ft per our elevation certs. Homes built between '69-76. Mine is 1970 and I am not seeing an increase.
Your elevation cert should also state your flood zone (or BFE).

You can also find this info on the Charlotte County property appraiser's website: Charlotte County Property Appraiser

Go to record search, type your house number and street name.

On the property detail page, it will show your flood zone. That is your BFE.
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Old 10-29-2013, 06:38 AM
 
Location: Port Charlotte, FL - Pasadena, People's Republic of Maryland
1,074 posts, read 686,976 times
Reputation: 308
Quote:
Originally Posted by fiege1224 View Post
The rates increases will be delayed for 4 years to study the impact to homeowners. The house just passed it.
My understanding is that the delay must still be voted on in the full House & Senate. Time for everyone to contact their Reps and Senators and demand their support.
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Old 10-29-2013, 06:53 AM
 
Location: Lemon Bay, Englewood, FL
2,139 posts, read 1,832,486 times
Reputation: 569
Quote:
Originally Posted by yellowsky View Post
Here is the article from the Miami Herald regarding the delay of the rate increase.

Congressional accord reached on flood insurance rate delay | Naked Politics
Looks like the house and senate still need to vote on the deal, but hopefully it is pushed through

The tentative deal, which still must be voted on in both the House and Senate, was hailed by Gov. Rick Scott and members of Florida's congressional delegation, which urged a delay in the rate increases.
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Old 10-29-2013, 06:54 AM
 
31,035 posts, read 19,286,814 times
Reputation: 15150
Quote:
Originally Posted by yellowsky View Post
Here is the article from the Miami Herald regarding the delay of the rate increase.

Congressional accord reached on flood insurance rate delay | Naked Politics
I think a phase-in makes more sense but either way, the fact that sometime in the next 5-10 years these rates are probably going to be fully realized.

Consequently, I would think that the proverbial cat is already out of the bag with regards to the chilling effect on home prices in flood zones as the purchaser would have to be thinking that longer term they will be facing this cost.
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Old 10-29-2013, 06:55 AM
 
Location: Lemon Bay, Englewood, FL
2,139 posts, read 1,832,486 times
Reputation: 569
Quote:
Originally Posted by MikMal View Post
My understanding is that the delay must still be voted on in the full House & Senate. Time for everyone to contact their Reps and Senators and demand their support.
Ha, sorry, I didn't see your post before posting mine...
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Old 10-29-2013, 06:56 AM
 
31,035 posts, read 19,286,814 times
Reputation: 15150
Quote:
Originally Posted by MikMal View Post
My understanding is that the delay must still be voted on in the full House & Senate. Time for everyone to contact their Reps and Senators and demand their support.
It's getting bi-partisan support. Any party voting against it will have a hard time winning Florida in 2016 so it will pass.

Just like other programs like subsidized crop insurance will be around for a long time.
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Old 10-29-2013, 06:58 AM
 
Location: Lemon Bay, Englewood, FL
2,139 posts, read 1,832,486 times
Reputation: 569
Quote:
Originally Posted by coastal chic View Post
Your elevation cert should also state your flood zone (or BFE).

You can also find this info on the Charlotte County property appraiser's website: Charlotte County Property Appraiser

Go to record search, type your house number and street name.

On the property detail page, it will show your flood zone. That is your BFE.
My elev cert just says "AE", but the County appraiser's site says "9AE". I use that site almost daily for various things, but never paid attention to the flood zone. According to my elev cert, the lowest building elevation is 9.8

I could find no FEMA maps for my area, but I guess the BFE is 9' according to the County.
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Old 10-29-2013, 07:44 AM
 
Location: Port Charlotte
320 posts, read 244,379 times
Reputation: 141
Quote:
Originally Posted by Mathguy View Post
I think a phase-in makes more sense but either way, the fact that sometime in the next 5-10 years these rates are probably going to be fully realized.

Consequently, I would think that the proverbial cat is already out of the bag with regards to the chilling effect on home prices in flood zones as the purchaser would have to be thinking that longer term they will be facing this cost.
I agree. The chilling effect of this new law has already mowed down our fragile recovery in real estate.
All of the strip malls on Tamiami with small businesses would face increases in rents and perhaps wipe out their profit margin. Although rate increases are probably inevitable this law has been devastating.
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Old 10-29-2013, 08:17 AM
 
893 posts, read 493,465 times
Reputation: 288
Quote:
Originally Posted by Harbor Hopper View Post
My elev cert just says "AE", but the County appraiser's site says "9AE". I use that site almost daily for various things, but never paid attention to the flood zone. According to my elev cert, the lowest building elevation is 9.8

I could find no FEMA maps for my area, but I guess the BFE is 9' according to the County.
That is correct 9AE would have a BFE of 9 feet, meaning that in any year there is a 1% chance of the water reaching that height.

Gary
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