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Bought house nov 2009 then in feb 2010 we were put in a flood zone. When we bought the house should we have been notified by
the county that new flood maps were underway? Also since we bought the house and it was not in a flood zone once it was put in the flood zone shouldn’t mortgage company pay for the elevation certificate? How can we be in no flood zone then be put in the highest risk?? Also the aerial map shows water will cover our property if it floods well when the entire county was covered our house only had a puddle in the back yard our back yard is an acre. If the map shows water may cover our property is there still a chance our elevation can get us outta paying flood insurance? We went out of county to get an engineer because the county engineer is falsifying documentation to make people pay flood and the engineer we had come out told me we should not be in flood plain but he said FEMA does what they want. I know it will take a lot for us to flood.

1 Thought on FEMA flood insurance?
  1. Reply
    mbrcatz
    July 31, 2012 at 9:23 am

    No, the county doesn’t notify every single property owner in the county, every time the maps are revised. Revisions can happen every year or two; it’s up to you to pay attention to what’s happening in your local government, sorry.

    Nope, the mortgage company doesn’t pay for your elevation certificate. That’s not in your mortgage contract at all. You might want to take it out and re-read the entire contract, paying special attention to the insurance section.

    There’s no such thing as “no” flood zone. There are low risk, higher risk, and high risk. I think what you’re asking is, why do flood zones CHANGE. They change, as the topography of the land changes. This happens most often due to construction, like buildings, parking lots, etc, which can change the pattern of runoff water when it rains – one very common source of flooding. And yes, flood zones DO change, based on what steps a community might take to alleviate flooding, or how densly populated the area is, or even if new structures are built.

    The elevation certificate is about your HOUSE. So yes, even if your back yard DOES flood, MOST of it, AS LONG AS the elevation certificate shows your HOUSE is high enough elevated so that water won’t get in, it CAN get you completely out of flood insurance. Depending on the AGE of your house, an elevation certificate might already be on file with the local building code department (if it’s a newer house).

    Um, the county engineer has absolutely nothing to gain, by “falsifying documenation to make people pay for flood” insurance. And it’s not FEMA that puts you in the flood plain – FEMA only offers the insurance coverage, IF IF IF your county “signs on” with flood prevention measures.

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