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Old 09-28-2013, 02:31 PM
 
Location: North of South, South of North
8,706 posts, read 8,791,508 times
Reputation: 5073

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Quote:
Originally Posted by Sunnydee View Post
PriusH8r, just plug your address into this site and it should tell you your flood zone.

FEMA Floodsmart
It gives me a statement saying moderate to low risk area, but does not give the letter designation, such as X as we have been.
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Old 09-28-2013, 02:32 PM
 
15,321 posts, read 17,534,722 times
Reputation: 13414
Quote:
Originally Posted by bavariantransplant View Post
I dont understand what the whole brewhaha is about, if you buy a home on the water why do you think anyone should subsidize your choice to do so. I bought a home and part of my consideration of where to buy was flooding and the potential for a hurricane, I just caution over water view but if I chose water view then I have to pay up!
Many waterfront homes are not subsidized. and therefore have very reasonable flood insurance. The subsidized homes are usually the older homes that are one level ranches built at ground level and below Fema's required BFE (base flood elevation). Newer homes are raised and are not subsidized because they are above BFE. The homes that are below BFE have a much higher risk of flooding (and related claims), and that's why the rates are going higher.
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Old 09-29-2013, 12:23 AM
 
Location: Sunny Florida
7,136 posts, read 10,989,670 times
Reputation: 9459
Quote:
Originally Posted by PriusH8r View Post
It gives me a statement saying moderate to low risk area, but does not give the letter designation, such as X as we have been.
You can type in your address here to get a map and your letter designation:

https://msc.fema.gov/webapp/wcs/stor...&AddressQuery=

Warning: It's not very user friendly.

Last edited by Sunnydee; 09-29-2013 at 12:26 AM.. Reason: link
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Old 09-29-2013, 05:30 AM
 
1,422 posts, read 1,486,443 times
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Curious, can one find out from current owner or realtor what the current flood insurance rates are?
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Old 09-29-2013, 07:47 AM
 
Location: North of South, South of North
8,706 posts, read 8,791,508 times
Reputation: 5073
Quote:
Originally Posted by Sunnydee View Post
You can type in your address here to get a map and your letter designation:

https://msc.fema.gov/webapp/wcs/stor...&AddressQuery=

Warning: It's not very user friendly.
But they are dated 2003, not 2013.
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Old 09-30-2013, 11:29 AM
 
25,838 posts, read 39,048,087 times
Reputation: 13830
Yesterday we find out that a home we have listed in Palm Harbor is showing on the MLS as being in a flood zone but the owners and the tax records show it is NOT in a flood zone.

We are now even checking more listings since overall the MLS populates all info correctly but not in this case where it came up as being in flood zone A instead of X!

That is a huge difference escpecially for a bigger home on a lake with a beautiful pool. Since there was so much confusion about the new FEMA rezoning areas we didn't want to just go by owners or one website but owners ins. company and mortgage company just gave a renewal for just $ 440.- for flood ins. on this gorgeous 3518 sqft pool/lake view home.

So there is some good and positive news too!
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