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Started By
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Anyone in a flood zone?
Posted on 4/28/21 at 4:34 pm
Posted on 4/28/21 at 4:34 pm
I am looking at buying some property that is barely in a flood zone(A small part of the lot isn’t). I would build my home up above base flood elevation. I was wondering what flood insurance cost for those who are required to have it in Louisiana. I called my insurance company, but they couldn’t help without a certificate. Thanks for any information.
10
Posted on 4/28/21 at 4:35 pm to PotatoChip
If you live in the Southeast you are in a flood zone.
Posted on 4/28/21 at 4:36 pm to PotatoChip
You could do a LOMR-F once you finished construction to have the portion where your house is built removed from the flood zone. At that point, flood insurance would be the minimum policy which is $400-500 per year.
Posted on 4/28/21 at 4:38 pm to LSUengr
I paid $475,0 last year for $250k , not in a flood zone in lake Charles
Posted on 4/28/21 at 4:39 pm to PotatoChip
$1,000
Posted on 4/28/21 at 4:45 pm to PotatoChip
It all depends on how much higher above the BFE you build. For every foot above, the rate drops. 3-4’ above will have you in the $600 range, give or take a little. You will need an elevation certificate for exact quote
This post was edited on 4/28/21 at 4:46 pm
Posted on 4/28/21 at 4:46 pm to PotatoChip
Well I wasn't....until 2016
Flood insurance went from $400ish to 600ish
Flood insurance went from $400ish to 600ish
Posted on 4/28/21 at 4:47 pm to PotatoChip
If flood zone X about $465/year (about what i pay)
not sure with flood zone AE w/ slab elevation certificate.
not sure with flood zone AE w/ slab elevation certificate.
Posted on 4/28/21 at 4:49 pm to madamsquirrel
quote:
Well I wasn't....until 2016
I know what you mean - our house in the NOLA area was in a no flood zone - paid $343 for the flood insurance in 2005
Didn’t go back so who knows what it is now ...
Posted on 4/28/21 at 4:49 pm to tigeraddict
depends on lowest floor elevation. Would have to get a certificate on it, but around 4-500 a year.
Posted on 4/28/21 at 4:52 pm to LSUSkip
At least these prices are making me feel better about the pricing. I will build up, but anything under 1,000 would be good with me. I’ve heard some bad stories, but they weren’t above bfe.
Posted on 4/28/21 at 4:57 pm to PotatoChip
quote:
I am looking at buying some property that is barely in a flood zone
A FEMA risk map will tell you what type of flood zone you are in. I am in an AE zone (coastal) in a piling built home with the first floor living area 3 ft above the Base Flood Elevation and I pay $500 a year.
LINK
Posted on 4/28/21 at 5:13 pm to PotatoChip
I'm in NE LA. If it floods in my neighborhood, I'd be looking for an ark.
Posted on 4/28/21 at 5:18 pm to PotatoChip
You won’t be able to build under the local BFE so you’ll be OK.
Posted on 4/28/21 at 5:21 pm to PotatoChip
Just don't. It will flood and be worse than the zones indicate. 100 year floods every 10 years is the norm now. Get higher.
Posted on 4/28/21 at 5:41 pm to PotatoChip
VE flood zone in the Florida Panhandle. 1% chance of flooding in a year so it's not cheap, and I got storm surge from Michael - so checks it out. $2,500/year. I built 3 feet above minimum so I have the lowest rate possible for VE. 15 feet above the ground. I allowed for some flooding so Michael wasn't a problem. I'd do it again. The land was cheap so I have a bunch of it. Elevating the house gets it above the bugs and gives a nice view and some air movement.
You should not have anything like the challenges I had to build my house, and I'd do it again in a heartbeat.
You should not have anything like the challenges I had to build my house, and I'd do it again in a heartbeat.
Posted on 4/28/21 at 6:24 pm to PotatoChip
I am in St. Amant, flood zone AE. Didn’t get water for the 2016 flood but the water was close to my house. House is 2 feet above base elevation and I pay $1000 per year, $250k on dwelling and $50k on contents.
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