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Old 01-17-2015, 05:04 AM
 
530 posts, read 669,218 times
Reputation: 516

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I do hope that Shakespeare forgives my twist on his words but I am asking for help in figuring out the Florida flood zone subject.
I simply cannot figure out exactly what I am looking at on the map that indicates flood zones but is so totally confusing to me that I can't make heads or tails of it. For example, just what is or what isn't IN the flood zone? Is there some sort of magical distance from the ocean by which one can measure the zone? Do they measure floods from the Everglades or doesn't that happen?
I know someone who bought near Yamato and Lyons. She is sure she is not in the flood zone because she thought she was 10 miles from the ocean yet when I measured just now on google maps, I see she is only about 7.5 miles from the ocean.
I am specifically speaking of Palm Beach County.
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Old 01-17-2015, 01:01 PM
 
48 posts, read 68,246 times
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I am even further west on Yamato than your friend, but I had to buy flood insurance because my lot is considered a high risk area. So even though I'm even further from the Atlantic, I think FEMA also takes into account the proximity to the Everglades. I've never had water come into my house, and the previous owners never filed a claim, but I was required to buy the insurance.
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Old 01-17-2015, 02:14 PM
 
530 posts, read 669,218 times
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When did you find out you were required to have this flood insurance? Were you able to look it up prior to buying your house/condo?
How do they determine how much you have to pay?
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Old 01-17-2015, 02:58 PM
 
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We knew before we closed on the house. You can find current FEMA flood maps where you enter the address and it'll show you what the flood risk is. I don't know how they determine the cost, but I just paid $421 for the year. My house is worth just about $500,000, if that's any help.
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Old 01-17-2015, 06:07 PM
 
530 posts, read 669,218 times
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That's a great rate. Someone I know lives in Lauderdale by the Sea in a building and pays $4,000. Would you be kind enough to post a link to the map? Thank you!
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Old 01-17-2015, 08:15 PM
 
48 posts, read 68,246 times
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The site is floodsmart.gov
On the right you'll see a red part where you can fill out the address. It'll tell you what your risk is; mine is considered high. It will not tell you how much the flood insurance will cost. You'll probably have to ask an agent about that.
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Old 01-17-2015, 10:16 PM
 
530 posts, read 669,218 times
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Many thanks for the link. I very much appreciate it!
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Old 01-18-2015, 06:15 AM
 
48 posts, read 68,246 times
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You're welcome!
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Old 01-18-2015, 10:22 AM
 
293 posts, read 502,461 times
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if I am not mistaken if you are required to purchase flood insurance the seller must disclose this
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Old 01-18-2015, 04:46 PM
 
530 posts, read 669,218 times
Reputation: 516
I actually asked a real estate agent about this and she said they usually tell you at closing. This is not satisfactory to me. If people are paying $4,000 a year, that's something that has to be figured into the price of the property at the very least and could be a deal breaker.
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