Need your thoughts on Cedar Hill area (St. Louis, Arnold: real estate, insurance)

[songinthewind7]

Mod, not sure if this should go in St. Louis or Missouri.....

Your thoughts and opinions on this area will be appreciated. Looking to buy a house in the near future. One in particular we're looking at now is near a river so flood insurance is to be expected but my concern is how often the river floods, if ever. The house is 60 years old and still standing and there are trees along the river bed in front of the house which tells me that it's not flooding that much.

I've talked to an insurance person and she seemed really vague about it. The real estate agent doesn't have a clue as she spends most of her time in St. Louis.

I don't mind living in a flood zone as I've done that before in my life. I just don't want to live in a place that's going to flood every time it rains. Hope that makes sense.

Pros and cons please.

[Stlmomoftwo]

I have lived in the area (High Ridge, House Springs, Dittmer) all my life, but we have just recently moved to the Cedar Hill area. We built a house for our family. I love living there. I can tell you if your house is near the Big River that it does flood frequently, but we have to have some major downpours for it to flood.

[songinthewind7]

Thanks for your input. I have since then talked to another real estate agent (that I will be using when we get there) and he told me that the Big River floods during the Spring rains. I also found an insurance agent that told me that he just did a quote on this one house we're looking at. 11 K per year for flood insurance. At that price, it's totally unaffordable for us.

I also found out that within the last year, Obama screwed things up by changing the laws of the flood plain areas.

My brother lives in Arnold and he doesn't pay flood insurance but a block away from him, they are in the flood plain.
Anyway, when we get there, we'll look around and have a better idea. It just seems like Cedar Hill and House Springs area would be nice and country but still close to stores and restaurants.

Looking forward to moving to Missouri.