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Old 06-24-2014, 12:09 PM
 
Location: New Hampshire
32 posts, read 66,891 times
Reputation: 22

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Hello
Has there been any "new" news on flood maps for the city? I was told that they were re-drawing maps and would come out this year. I just bought a house right on the border of an A-2 and a B zone and was hoping the map would take the house out of the a-2 zone.
The people that had the house before me paid $600 but had a longstanding policy. I am getting quotes for $2000.

Also, I was told i could get a better rate if I have a flood elevation certificate done (cost $250) but others have told me that probably will not help just in case the results are published "somewhere" ( and could actually increase my rates?)

PS the house is in algiers
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Old 06-24-2014, 01:47 PM
 
Location: New Orleans
2,311 posts, read 4,710,776 times
Reputation: 1443
Even my agent isn't really sure what is going on. I've searched the internet in the past, and found nothing.
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Old 06-24-2014, 02:06 PM
 
Location: Metairie, LA
1,097 posts, read 2,189,767 times
Reputation: 1477
If your first floor elevation is above the BFE for that "A" zone, then your rates will be around $600 or less which is comparable to being in an X or B zone anyway. You will need an elevation certificate to prove that to your insurance company. If you're property is on the border of a B-Zone and you have a raised house, then I would be willing to bet that your first floor is well above the BFE.

You can see the "proposed but not in effect yet" as well as the current flood maps here: ~Flood Information Portal for Orleans County, LA~
On the left side you can check the "Flood Hazard Areas" to see the effective and preliminary proposed flood zoning. You can even check the "change layer" to view how the proposed zones have changed things.

MOST people in New Orleans will benefit if and when these new maps take effect. Non-flood zones will expand and BFEs will drop. In the few pockets that are negatively affected by the zoning, it doesn't mean that there will be a blanket rate increase. That will depend on the construction and elevation of the individual house and the elevation of the ground that it sits on.

Take a look at an elevation map. Here's one: http://upload.wikimedia.org/wikipedi...tchartrain.jpg You should be able to get an approximate idea of how high the land is around your property. From there, you'll have a good idea of weather your first floor is above the BFE for your zone.
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