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AE Flood zone?
Posted on 5/7/20 at 9:48 am
Posted on 5/7/20 at 9:48 am
Would you buy a home in a an AE flood zone that flooded in 2016? How big of a risk is this and what would the chances be that it floods again?
Posted on 5/7/20 at 9:49 am to Broke
A lot of houses that flooded on the Northshore in 2016 were AE.
Posted on 5/7/20 at 9:49 am to Broke
How much water did it get in '16?
Posted on 5/7/20 at 9:50 am to Broke
quote:
Would you buy a home in a an AE flood zone that flooded in 2016? How big of a risk is this and what would the chances be that it floods again?
If it is in AE you don't even need a huge event like 2016 to flood the property.
It depends on the mitigation, has anything been done to the home, is it raised?
I probably would not.
Posted on 5/7/20 at 9:50 am to Broke
Chances are it will flood again at some point.
If you are willing to go through that then it shouldn’t be a problem.
If you are willing to go through that then it shouldn’t be a problem.
Posted on 5/7/20 at 9:51 am to Broke
Pretty sure AE means appropriately elevated.
Posted on 5/7/20 at 9:52 am to Broke
Depends. Did it have a few inches or a few feet of water in 2016? What's the elevation of the house compared to BFE? Is the area around it pretty much fully developed or is DSLD building a bunch of neighborhoods around there that are going to result in more runoff as those get built for the surrounding neighborhoods that are already there?
Posted on 5/7/20 at 9:52 am to Broke
It would depend on whether it flooded ever other than 2016. I think most people buying houses right now are not concerned with a house that flooded that had never flooded before. Now if it were to flood again all bets are off, but it took a very unusual event for that time to flood the way it did. Having said that, since 2016 there have been several unusual flooding events in Houston, South Carolina, etc...So it CAN happen again but the question is WILL it?
I sold my house that flooded in 2016 that had never flooded and it sold in 2 days. I, however, bought a house that did not flood in 2016 because I don't ever want to go through it again.
I sold my house that flooded in 2016 that had never flooded and it sold in 2 days. I, however, bought a house that did not flood in 2016 because I don't ever want to go through it again.
Posted on 5/7/20 at 9:53 am to Broke
I’d be more worried about resale than actually flooding myself. You’re gonna limit your buyer pool.
This post was edited on 5/7/20 at 10:34 am
Posted on 5/7/20 at 10:11 am to Broke
It all depends on the home elevation. In my neighborhood (zone AE) there are houses with low elevations and ones that are built up on taller house pads. 2016 was the most historic flood event ever. I wouldn’t use it as the only deciding factor. Compare the homes elevation to base flood level and decide then. If it’s at or a few feet from BFE flooding could be a concern.
Posted on 5/7/20 at 10:23 am to xrockfordf150x
I definitely would not, but I personally rebuilt my parents house that fits the same description. Those were not good days. I also know that many flood maps are grossly outdated and should be expanded, but developers can't push back hard enough against accurate information getting out about the risk they are increasing.
Posted on 5/7/20 at 10:28 am to Broke
quote:
Would you buy a home in a an AE flood zone that flooded in 2016? How big of a risk is this and what would the chances be that it floods again?
Depends on elevation of the property mainly due to Flood insurance cost. A home that is a below base flood I'd avoid for cost alone. That said, every piece of property is at risk of a flooding event. That's why if you buy a home in a preferred zone like X it's almost a no brainer because the flood policy at maximum coverage is like 500 buck per year.
And before the naysayers tout "if I buy a X property why would I need it??" Well b/c 33% of all annual flood claims come form preferred zone risks.
But short answer, Yes I would with stipulations of course.. Structure would need to be built above base flood on the elevation cert for me to pull the trigger even if it in fact did flood in '16.
Posted on 5/7/20 at 10:43 am to DarkDrifter
I think it's 26 feet if I remember correctly
Posted on 5/7/20 at 10:50 am to Broke
quote:
I think it's 26 feet if I remember correctly
Base flood for the area?
Posted on 5/7/20 at 10:51 am to Broke
My parents house was in AE.
It got 3 feet in 1977, 4 feet in 1983, 1 foot in 1991, 2 inches 2001, 8.5 feet in 2016.
It got 3 feet in 1977, 4 feet in 1983, 1 foot in 1991, 2 inches 2001, 8.5 feet in 2016.
Posted on 5/7/20 at 11:03 am to Broke
I am in X-Area with reduced flood risk due to levee and I flooded in 2016.
This post was edited on 5/7/20 at 11:04 am
Posted on 5/7/20 at 11:05 am to Broke
Only if it is built above the BFE. Here are the statistics based on BFE:
House built at the 100 yr BFE (1% occurence): 26% chance of flooding over a 30 year mortgage
House built at 500 yr BFE (0.2% occurence): 6% chance of flooding over a 30 yr mortgage
2016 was a 500 yr(0.2%) - 1000 yr event (0.1%) for the Amite River Basin.
House built at the 100 yr BFE (1% occurence): 26% chance of flooding over a 30 year mortgage
House built at 500 yr BFE (0.2% occurence): 6% chance of flooding over a 30 yr mortgage
2016 was a 500 yr(0.2%) - 1000 yr event (0.1%) for the Amite River Basin.
Posted on 5/7/20 at 11:09 am to Broke
Depends on home elevation.
My old house was in AE flood zone but was built over flood plane. It did not flood in 2016
Current house is in Flood Zone X it got 8: in 2016!
You will more for Flood Ins though.
My old house was in AE flood zone but was built over flood plane. It did not flood in 2016
Current house is in Flood Zone X it got 8: in 2016!
You will more for Flood Ins though.
Posted on 5/7/20 at 11:10 am to Broke
As someone who has owned a home that flooded twice. No. You couldn't give me a house in any flood zone. I like being able to sleep when it rains.
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