Is turquoise color part of flood zone (Tool: insurance, houses)

[xecluded]

I am using this tool here FBC Interactive Mapping Tool to find out if my new soon to be home would be in the flood zone and our lot is in the “bamboo green” color enclosed here (leaning oak trail) . The color chart does not show bamboo green color as part of any flood. Does anyone know. Thanks.

[texas7]

FEMA maps should show you the zones. The preferred zone is zine x. You can also go to floodsmart.gov and put in your address. If it says moderate to low risk you are probably ok. Moderate to high risk is in higher risk area.

[milrtime83]

It could be the Approximated (Zone A) section with the color just being lighter than the Legend. The 1% (Zone AE) looks like a lighter color on the map than it does in the Legend as well.

[xecluded]

I called and it was confirmed that my lot is Approximated (Zone A).

Now with the very high price of Flood Insurance rate, should i have my home build anyway or just sell the land and go elsewhere. I am also worry that I may not be able to sell it in the future if need be or house would not going up in value. Any suggestions?

[texas7]

That's a crapshoot. Some people freak out over it and it scares them away while those who can afford higher insurance costs; it doesn't seem to bother as king as the area has no previous history of flooding.

I live on the southeast side where wind coverage is extremely high so I look for zone x because I don't want both high wind and high flood coverage.

[testmo]

flood insurance is really not that expensive. tack on at most $2,000 extra for insurance a year (my home in 100 yr flood plain is around $1,100). i live in a well to do neighborhood in the city, yet less expensive homes homes in the suburbs can have higher taxes than my place. in the end it could be a wash. those homes are equally as likely to flood in a major storm.

[xecluded]

Thank you for the information. What do you think about resale value for those houses that are in the flood zone. This maybe our last home but how many times have we heard that right.

[testmo]

i think people from outside of houston are more wary of flood zones. people who have been here a long time know any house can flood whether you pay out the nose for the insurance or not. it is important to ask neighbors how the area did in the recent storms and during heavy rains.

i live in a flood plain and some areas around me are in 50 yrs or right on the bayou. homes selling like hot cakes. i bought 2 years ago and am getting close to 100,000 in equity. mini housing bubble perhaps but it is still about location

great house close to the city in a 100 yr? no problem

country house, or in the suburbs in a flood plain - maybe not so much

that's my view of it. being in the flood plain hasnt hurt me any

[xecluded]

Thanks testmo. I think to be on the safe side, i may just sell our lot and look elsewhere.