2 Thoughts on how do you find flood claim records?
  1. Reply
    Spock (rhp)
    January 29, 2013 at 3:27 pm

    insurance industry records and records of FEMA flood insurance payments are not public information, so you’ll not be getting them.

    closest you can come as a private citizen is:

    1. FEMA’s official flood plain designations

    2. what your insurance company tells you about a property when they provide a quote [which isn’t definitive as the insurance companies aren’t on the hook for flood damage — they’ll know if someone else filed a claim that was denied due to flooding, BUT if there was a flood but no claim, they’ll not know.

    3. ask the neighbors and other long term locals.

    If your interest is because you’re contemplating buying a property, the way to protect yourself is to include a clause in the offer requiring seller to certify that there have been no such claims or flooding incidents and that property is not in a FEMA designated 100 year flood plain.

    to d this correctly, you’ll need the advice of an attorney.

  2. Reply
    January 29, 2013 at 4:10 pm

    Look in local newspapers, for flood information – but you won’t find CLAIMS records there. Claims are private information, protected by the privacy laws.

    You can always try to have your agent run a CLUE report for that property, as it will show up there – but CLUE reports are NOT free, and you have to have a vested interest to get it.

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