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Posted on 12/18/23 at 8:06 am to TDsngumbo
quote:
Zone X simply means it’s the least likely of all zones to have a flood - they call it the 100 year flood. It’ll still flood but insurance is not required in these zones.
Zone X owner and had over 3 feet in 2016. I happened to get insurance a couple years before, thankfully.
Yeh, all policies have increased. Insurance is a scam. You pay and pay and then when you make a claim, they increase your premium. Where the F**K did the premiums I paid go?
Posted on 12/18/23 at 8:25 am to fightin tigers
quote:
A lot of BR people said this until August 2016.
To be fair, wasn't this paired with the fact that a large weather system just poured rain around the LP area which then caused that water to back up into EBR?
Posted on 12/18/23 at 8:34 am to Boudreaux35
Zone X means the natural ground at a particular location is above the 100-year water surface of whatever body of water that influences that particular area.
Zone X Shaded generally means you are protected by a levee from flooding. If there wasn’t a Levee, it would be a different situation most likely.
People on this board are stupid regarding this kind of stuff. Go get a professional engineer or surveyor for advice. Talk to your parish flood plain administrator. Don’t listen to idiots on this board. And zone X doesn’t mean you won’t flood. It means you’re located above the 100 year water surface making flooding more rare. A 500 year event may be different.
Zone X Shaded generally means you are protected by a levee from flooding. If there wasn’t a Levee, it would be a different situation most likely.
People on this board are stupid regarding this kind of stuff. Go get a professional engineer or surveyor for advice. Talk to your parish flood plain administrator. Don’t listen to idiots on this board. And zone X doesn’t mean you won’t flood. It means you’re located above the 100 year water surface making flooding more rare. A 500 year event may be different.
Posted on 12/18/23 at 9:09 am to KemoSabe65
quote:
SBA Loan Baw
Not true at all. Both my neighbors did not have insurance and both received hefty FEMA checks along with my sister.
Posted on 12/18/23 at 9:28 am to thejudge
I know it has been said many times on here, but it cannot be said enough:
"100-year" flood means 1/100 chance in any given year. As with rolling dice, or flipping coins, tails can come up many times in a row, and the chances on the next flip are still 1/2. Previous outcomes do not affect current or future outcomes.
Secondly, engineers' and scientists' estimation of these statistics are based on inexact climate science. As we build a longer period of observation and of a wider spectrum of climate phenomena, the statistics change. As we develop land, the statistics change. Great example is a few years back when Harris County TX (Houston) saw what was the 500-year (0.2 % chance event) depths overnight morph into the 100-yr when NOAA updated its precipitation statistics. LINK
This will happen in Louisiana eventually.
"100-year" flood means 1/100 chance in any given year. As with rolling dice, or flipping coins, tails can come up many times in a row, and the chances on the next flip are still 1/2. Previous outcomes do not affect current or future outcomes.
Secondly, engineers' and scientists' estimation of these statistics are based on inexact climate science. As we build a longer period of observation and of a wider spectrum of climate phenomena, the statistics change. As we develop land, the statistics change. Great example is a few years back when Harris County TX (Houston) saw what was the 500-year (0.2 % chance event) depths overnight morph into the 100-yr when NOAA updated its precipitation statistics. LINK
This will happen in Louisiana eventually.
Posted on 12/18/23 at 9:33 am to thejudge
Lots of bad info and anecdotes floating around this thread. These are the FEMA flood zones. If you're worried about flooding you should talk to an engineer and/or surveyor
Posted on 12/18/23 at 9:40 am to man in the stadium
Also, whatever flood insurance rate map your Parish uses may be old. Every development that pours concrete increases runoff (detention ponds won't stop it), most south LA drainage systems are influenced by tidal changes. Climate Change (natural or man made, not trying to derail with that argument) affects precipitation intensities and sea level rise makes drainage more difficult for tidally influenced drainage systems (most around south LA).
It all evolves and changes over time, and those changes almost always have negative impacts on flooding
It all evolves and changes over time, and those changes almost always have negative impacts on flooding
Posted on 12/18/23 at 10:05 am to thejudge
You're asking the wrong questions. Zones don't matter any more like it used to. You need to be concerned about how the property rates up premium wise, not just that its in zone x. Preferred zones don't have guaranteed flat rating any longer.
Posted on 12/18/23 at 10:13 am to X123F45
The biggest problems in 2016 tended to be that normal drainage backflowed due to the river levels being insanely high.
There were a lot of people fine on the first few days only to be screwed when the Mississippi, Amite, Comite, and/or Achafalaya started flooding out the creeks near them.
There were a lot of people fine on the first few days only to be screwed when the Mississippi, Amite, Comite, and/or Achafalaya started flooding out the creeks near them.
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