FEMA Flood Map Link-how to see if a home is in the FZ (Wildwood: insurance)

[Restrain]

Flood maps are readily available on-line from the FEMA site and you can locate your home/prospective home by address. Here is the process:

Go to the following site:
https://msc.fema.gov/webapp/wcs/stor...0001&langId=-1

You can also search for FEMA's Flood map site

On that page, there are two options. The page should open to the street address option. If not, you can click on the address option. Put the address in, including number, street, city and state. You don't need the ZIP. Click on SEARCH.

That will open a second page, showing a low-res page showing the street location and a FEMA map page as a possible link. Click on that FEMA map page link. That will open a second page (yes, this is government designed websites, OK?). It will give you the map page and several options to the right. One of which is BUY but don't let that scare you. You DON'T have to buy the page. Next to that is VIEW.

Click on VIEW and it opens ANOTHER page. This one is the actual FEMA map panel. You can zoom in, pan, etc to your location. You have to remember where the home is physically located. You can go back to the general page where you first found that map panel and zoom out if you get lost on the Panel page, figure out where it is (watch for large blue boundary lines - deliniates the map boundaries).

You can find the approximate location of the homesite on the FEMA map. It is not unusual for canal lots to actually be above flood zone, but the rear and street to be in a flood zone. The maps shown are the current maps and what the insurance companies, lenders, etc use.

Good luck and hope this helps all those looking for flood map information.

[HarborRat]

Typical government website. Maybe one step above Healthcare dot gov . Gotta make sure your popup blocker is off for step one or you will get nowhere.

I'm "AE" according to that map....whatever that means. The same info and much more can be found here:

https://www.ccappraiser.com/rp_real_search.asp? (address # and street only, less info is better...or just type your last name)

There it says I'm "8AE", whatever that means . 8 feet above base flood elevation? I guess it means a 1-in-100 year flood (1% chance each year) could go 8 feet above mean high tide?

[Restrain]

AE is an identified flood zone. You are right.

If someone is buying, this gives them the up-front as to flood zones.

[Harbor Hopper]

Originally Posted by HarborRat

There it says I'm "8AE", whatever that means . 8 feet above base flood elevation? I guess it means a 1-in-100 year flood (1% chance each year) could go 8 feet above mean high tide?

It means your actual elevation must be above 8ft in order to have cheaper flood insurance

[MartyGras]

Originally Posted by HarborRat

Typical government website. Maybe one step above Healthcare dot gov . Gotta make sure your popup blocker is off for step one or you will get nowhere.

I'm "AE" according to that map....whatever that means. The same info and much more can be found here:

https://www.ccappraiser.com/rp_real_search.asp? (address # and street only, less info is better...or just type your last name)

There it says I'm "8AE", whatever that means . 8 feet above base flood elevation? I guess it means a 1-in-100 year flood (1% chance each year) could go 8 feet above mean high tide?

1 in 100 is confusing and I don't know why they state it that way but in a 100 year flood zone there is a 26% chance of flood waters in 100 years.

Gary

[JERSEY MAN]

Originally Posted by MartyGras

1 in 100 is confusing and I don't know why they state it that way but in a 100 year flood zone there is a 26% chance of flood waters in 100 years.

Gary

It is confusing to say the least Gary. Statistics about these flood zones are nothing but an educated guess or just a guess. There were thousands of homes that were flooded from Sandy that were NOT in flood zones, mine included. Luckily I didn't cheap out and we purchased the flood insurance.

[MartyGras]

Originally Posted by JERSEY MAN

It is confusing to say the least Gary. Statistics about these flood zones are nothing but an educated guess or just a guess. There were thousands of homes that were flooded from Sandy that were NOT in flood zones, mine included. Luckily I didn't cheap out and we purchased the flood insurance.

"Think" I like that! One of the issues was that if people had given it any thought they should have known they were in a flood zone being near the water.

This post sent as I have my morning coffee while on my my boat in Wildwood NJ.

Gary

[born01930]

Yes the whole FEMA FIRM thing is a PITA. I never had flood ins as I own outright, well I decided to take out an equity loan to purchase a waterfront lot and they came back and said I need flood ins. 1/2 of my house was in zone x and 1/2 in zone A with no BF level. Had a surveyor come by and will have a LOMA completed as I am at 26'. Ends up costing me ~400 clams because someone in 2003 never came out here to look and just made wild assumptions. At least it will be done and I won't have to worry about it in the future.

[JERSEY MAN]

Originally Posted by MartyGras

"Think" I like that! One of the issues was that if people had given it any thought they should have known they were in a flood zone being near the water.

This post sent as I have my morning coffee while on my my boat in Wildwood NJ.

Gary

Nice boat Gary, beautiful morning for some java on the water.

[MartyGras]

Originally Posted by JERSEY MAN

Nice boat Gary, beautiful morning for some java on the water.

Thanks.....If keeps my mind off of the house in Florida. And it doesn't require flood insurance envelope though it's clearly in a flood zone.