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This is certainly true, but it doesn't affect homeowners until FEMA says it happened.
True. Absent moving, there's not much a homeowner can do. But for a purchaser, the potential for increased flood elevations is a good thing to keep in mind if you're trying to avoid unnecessary risks.
Was this actually mapped and determined to be accurate? I ask because at one point several of us homeowners got letters saying we were in the floodzone. We felt we weren't just based on common sense. So we got a group rate from a good surveyor and we weren't. Then it was found out FEMA had a plane go over, yes, and all the homes around the blue spots were sent these letters. Our govt. at work.
Funny- we're under Flood Advisory and I can't find any maps showing what area that covers.
Tried doing same search for another Idaho city and it's indecipherable.
REALLY?
A flood advisory is different, like a weather warning. You may not be located in a flood plain but still get a flood advisory from local weather agencies during heavy rains.
This may or may not be relevant any longer as the maps and rules have changed. A large portion of our property lies in a flood zone. Our house does not. The flood zone is 100 or so feet away. It came up when we first applied for a mortgage (and insurance later) 12-13 years ago. We had a mortgage survey completed that showed the house location and the flood zone. No flood insurance was needed.
We've refinanced a few times since then. The issue has never been raised again, and I know that the flood zone hasn't changed.
This may or may not be relevant any longer as the maps and rules have changed. A large portion of our property lies in a flood zone. Our house does not. The flood zone is 100 or so feet away. It came up when we first applied for a mortgage (and insurance later) 12-13 years ago. We had a mortgage survey completed that showed the house location and the flood zone. No flood insurance was needed.
We've refinanced a few times since then. The issue has never been raised again, and I know that the flood zone hasn't changed.
Have you refinanced since 2005?
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