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Old 04-21-2014, 02:32 PM
 
50 posts, read 67,682 times
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I'm considering moving to Florida in the next couple of years and Tallahassee seems ideal for me. However, is it in a flood plain? Perhaps residents haven't experienced flooding before but if FEMA considers it a flood plain then you end up paying a lot for required flood insurance. I'd really want to know the answer before moving there. Can anyone help me out here?
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Old 04-21-2014, 06:41 PM
TD*
 
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Nope. Tallahassee lies 18 miles from the coast, so you do not need to buy Flood Insurance.
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Old 05-14-2014, 11:29 AM
 
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I work in Flood insurance. Not to be a know it all but Everyone lives in a flood plain/zone. It depends on whether your home is in a Special Flood Hazard Area or a low risk area. If you live in a SFHA then your lender will probably require you to get a flood insurance policy. If you dont have a mortgage then you will not be required to get a flood policy. You can go to FEMA.gov and get more info or to city hall of the community should have flood map info.
Just DO YOUR RESEARCH when you are house shopping!!
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Old 05-14-2014, 11:31 AM
 
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**if the home is in a low lying area or by any type of body of water it could be consired SFHA**
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Old 06-01-2014, 01:42 PM
 
22 posts, read 30,523 times
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Everyone should have flood insurance no matter where they live. Really. It's NOT that expensive and a good rain storm anywhere can cause damage that your homeowners insurance simply will not cover because it's considered "flood" damage. Cover your ass. I received flood damage in Colorado Springs of all places. Wish I'd had flood insurance!
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Old 06-01-2014, 05:35 PM
 
Location: Tampa, FL
27,798 posts, read 29,159,973 times
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Quote:
Originally Posted by Dosvi View Post
Everyone should have flood insurance no matter where they live. Really. It's NOT that expensive and a good rain storm anywhere can cause damage that your homeowners insurance simply will not cover because it's considered "flood" damage. Cover your ass. I received flood damage in Colorado Springs of all places. Wish I'd had flood insurance!
Big waste of money if you leave nowhere near water. Thowing money down the dumper.

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Old 06-02-2014, 09:48 AM
 
4,539 posts, read 5,643,711 times
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Quote:
Originally Posted by seastar623 View Post
I work in Flood insurance. Not to be a know it all but Everyone lives in a flood plain/zone. It depends on whether your home is in a Special Flood Hazard Area or a low risk area. If you live in a SFHA then your lender will probably require you to get a flood insurance policy. If you dont have a mortgage then you will not be required to get a flood policy. You can go to FEMA.gov and get more info or to city hall of the community should have flood map info.
Just DO YOUR RESEARCH when you are house shopping!!
If you dont have a mortgage AND the house NEVER took a FEMA claim you are not required to have flood insurance.

My house took a FEMA claim in Sandy and the property is required to ALWAYS maintain flood insurance even for future owners
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