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PotatoChip
LSU Fan
Member since May 2014
2334 posts

Anyone in a flood zone?
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.


Jim Rockford
LSU Fan
Member since May 2011
82962 posts
 Online 

re: Anyone in a flood zone?
If you live in the Southeast you are in a flood zone.


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LSUengr
LSU Fan
Baton Rouge
Member since Sep 2005
1706 posts

re: Anyone in a flood zone?
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.


bigwheel
LSU Fan
Lake Charles
Member since Feb 2008
5895 posts

re: Anyone in a flood zone?
I paid $475,0 last year for $250k , not in a flood zone in lake Charles


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OysterPoBoy
USA Fan
City of St. George
Member since Jul 2013
24039 posts

re: Anyone in a flood zone?
$1,000


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Tiger Prawn
Member since Dec 2016
18135 posts

re: Anyone in a flood zone?
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 at 4:46 pm


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madamsquirrel
LSU Fan
The Snarlington Estate
Member since Jul 2009
30661 posts

re: Anyone in a flood zone?
Well I wasn't....until 2016

Flood insurance went from $400ish to 600ish


tigeraddict
LSU Fan
Baton Rouge
Member since Mar 2007
9316 posts

re: Anyone in a flood zone?
If flood zone X about $465/year (about what i pay)

not sure with flood zone AE w/ slab elevation certificate.


GreenRockTiger
LSU Fan
Member since Jun 2020
7236 posts

re: Anyone in a flood zone?
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 ...


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LSUSkip
LSU Fan
Walker,LA
Member since Jul 2012
8693 posts

re: Anyone in a flood zone?
depends on lowest floor elevation. Would have to get a certificate on it, but around 4-500 a year.


PotatoChip
LSU Fan
Member since May 2014
2334 posts

re: Anyone in a flood zone?
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.


Basura Blanco
LSU Fan
Member since Dec 2011
249 posts

re: Anyone in a flood zone?
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


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Tempratt
anywhere at a given time
Member since Oct 2013
8536 posts

re: Anyone in a flood zone?
I'm in NE LA. If it floods in my neighborhood, I'd be looking for an ark.


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soccerfüt
Location: A Series of Tubes
Member since May 2013
48797 posts

re: Anyone in a flood zone?
You won’t be able to build under the local BFE so you’ll be OK.



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calcotron
LSU Fan
Member since Nov 2007
4015 posts

re: Anyone in a flood zone?
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.


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Tigris
Montana Fan
Mexican Home
Member since Jul 2005
10918 posts

re: Anyone in a flood zone?
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.


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STATigerFan
LSU Fan
St. Amant, LA
Member since Sep 2019
64 posts

re: Anyone in a flood zone?
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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