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Message
re: I have a question about FEMA and flood zones
Posted on 2/7/18 at 11:23 am to Mr. Hangover
Posted on 2/7/18 at 11:23 am to Mr. Hangover
You stooge.
1 ft below sea level.
What makes that ok?
1 ft below sea level.
What makes that ok?
0
Posted on 2/7/18 at 11:25 am to Mr. Hangover
quote:
For this loan, for where I’m at (which hasn’t flooded in over 70 years ), I HAVE to have flood insurance
Yeah, no one in my neighborhood flooded when half the city flooded but on the prelim new flood map we are in a flood zone.
Posted on 2/7/18 at 5:29 pm to Chad504boy
I appreciate the response chad
And yes, the added flood insurance adds an extra $209 to my mortgage which takes me out of my comfort zone... I technically can afford it, but I don’t want to be house broke.. I also have zero confidence in FEMA in changing the zones in a timely manner
This whole process has been a learning experience for me..
And yes, the added flood insurance adds an extra $209 to my mortgage which takes me out of my comfort zone... I technically can afford it, but I don’t want to be house broke.. I also have zero confidence in FEMA in changing the zones in a timely manner
This whole process has been a learning experience for me..
This post was edited on 2/7/18 at 5:30 pm
Posted on 2/7/18 at 6:14 pm to Mr. Hangover
quote:
From what I understand, after they have submitted the letter of determination, there is another wiring period until it goes into effect
If FEMA has issued a Letter of Final Determination then the new FIRM should go into effect for flood insurance rating purposes 6 months from the LOFD date. Until then, the previous map is still used unless you can get a LOMA.
What parish? Because if its Jefferson, the new FIRM went into effect February 2 so an agent should be able to run a new quote based on new FIRM
Posted on 2/7/18 at 7:06 pm to Mr. Hangover
Like others have said - get a LOMA.
Two months before Irma, I bought a house in Flood Zone X. The brand new construction is built up, but it was still in a flood zone, per FEMA. Flood zone X, 500/yr. I almost dropped it, but pushed off getting a LOMA, them Irma hit and we were flooded in for a month. So, a LOMA can change the status.
Two months before Irma, I bought a house in Flood Zone X. The brand new construction is built up, but it was still in a flood zone, per FEMA. Flood zone X, 500/yr. I almost dropped it, but pushed off getting a LOMA, them Irma hit and we were flooded in for a month. So, a LOMA can change the status.
Posted on 2/7/18 at 7:47 pm to NYNolaguy1
quote:
Was this changed on a FIRM map?
That is the only place it would count.
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