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Would you buy a house that flooded
Posted on 6/2/20 at 1:36 pm
Posted on 6/2/20 at 1:36 pm
Say a house flooded in 2016 when the Lafayette area got slammed. Would you consider buying it knowing that was a freak storm?
Posted on 6/2/20 at 1:45 pm to Janky
I bought a house on the water I knew flooded in Katrina.
Posted on 6/2/20 at 1:46 pm to Janky
Check and double check flood zone.
If you are close to an edge I wouldn't
Your insurance could multiply without you being able to do much about it.
If you are close to an edge I wouldn't
Your insurance could multiply without you being able to do much about it.
This post was edited on 6/2/20 at 1:47 pm
Posted on 6/2/20 at 2:24 pm to Janky
I bought a house that flooded in 2016 but was in Flood Zone X. My flood insurance is like $500/year and we have a plan on what to do with specific furniture if water ever gets close to our property.
I have very little worry about it, especially if you plan ahead.
I have very little worry about it, especially if you plan ahead.
Posted on 6/2/20 at 3:03 pm to SouthOfSouth
quote:
especially if you plan ahead.
Plastic boxes to put all your electronics and keepsakes in is clutch. Have them in the attic or garage and ready to deploy. Too late when the rain starts.
Posted on 6/2/20 at 3:37 pm to Janky
In Lafayette it depends where.... Youngsville? probably. On the river downtown river ranch area? tough one because all of that build up around there.
Posted on 6/2/20 at 5:16 pm to Janky
We had numerous people back out of purchasing our home because of past flooding, were told that the street floods, etc. It was infuriating. Had people done research more they would have known/been told that a few years back our street had its own dedicated pump installed along with a ton of work done to drainage and streets in the area to help with potential flooding. Since then it has rarely gotten into the yard.
What sucks worse is the home, when we bought it, was in an X Flood Zone. The home was paid off so they didn’t have to carry flood insurance. They didn’t. So we bought the home and once we had X Zone coverage were told that the home had 2 claims within a 10yr period. Which means we don’t qualify for X Zone premiums and our costs went up big time. Then when flood maps were redone our area changed to AE. Eventually we would have been hit with the extra cost.
I bring up both of these points to show 2 different view points and in short, just say do your research. Go with what you are comfortable with. Every home and area will have risks. Weigh pros and cons and make a decision based on your gut. We love our home and decided to just stay and renovate even more.
What sucks worse is the home, when we bought it, was in an X Flood Zone. The home was paid off so they didn’t have to carry flood insurance. They didn’t. So we bought the home and once we had X Zone coverage were told that the home had 2 claims within a 10yr period. Which means we don’t qualify for X Zone premiums and our costs went up big time. Then when flood maps were redone our area changed to AE. Eventually we would have been hit with the extra cost.
I bring up both of these points to show 2 different view points and in short, just say do your research. Go with what you are comfortable with. Every home and area will have risks. Weigh pros and cons and make a decision based on your gut. We love our home and decided to just stay and renovate even more.
Posted on 6/2/20 at 5:32 pm to fightin tigers
quote:
Check and double check flood zone.
If you are close to an edge I wouldn't
Your insurance could multiply without you being able to do much about it.
I bought a house built in 1965 in Auburn that originally wasn't part of the flood zone. The lot has a creek as a lot line and FEMA changed the flood zone in 2013. The prior owner was paying close to triple the going rate on insurance.
I requested a survey done as part of the buying process with an insurance waiver as a contingency to close. I was told I'd have to raise my condenser pad by 4" but the insurance company ultimately just gave me the waiver (the request never made sense anyway). The insurance issue is why I purchased this place at a severely discounted cost per square foot. My Dad grew up here and this area has never flooded, so I felt fine about buying.
I think you can also submit for a flood zone amendment to FEMA with a survey but I never bothered.
(edit) To the OP I didn't address your question. If there's a history of flooding then I'd not consider a purchase. If not I obviously would consider. If it is somewhere in the middle then you might consider figuring out why.
This post was edited on 6/2/20 at 5:41 pm
Posted on 6/3/20 at 8:50 am to alpinetiger
My neighbor across the street can’t sell his house b/c it flooded twice recently. It did not flood in 2016, or anytime in the previous 35 years since it was built. A culvert collapsed about a year and a half ago down the street, and the city refuses to fix it for some reason. B/c that culvert collapsed, the water isn’t draining fast enough, so during torrential downpours, he gets water collecting in his yard and it has gotten in his house twice now.
I think he should sue the city.
Some prospecting buyers have seen me outside and asked me about it and I’ll tell them, if they fix the culvert, id buy the house and not worry about flooding, but i Wouldn’t touch it until that culvert is fixed.
I wonder if the city doesn’t want to fix it b/c it’s in St George and it won’t be their problem soon, hopefully.
I think he should sue the city.
Some prospecting buyers have seen me outside and asked me about it and I’ll tell them, if they fix the culvert, id buy the house and not worry about flooding, but i Wouldn’t touch it until that culvert is fixed.
I wonder if the city doesn’t want to fix it b/c it’s in St George and it won’t be their problem soon, hopefully.
Posted on 6/3/20 at 9:09 am to Janky
My old house flooded in 2012. That's why we moved to higher ground. I never wanna go through that again. So, that would be a no for me.
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