Would you buy a house that flooded

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.

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especially if you plan ahead.

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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.

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.

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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.

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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.

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.