re: looking at building a house in a flood zone

Said he's been there 15+ years and has flooded twice so yea. Poor guy will never be able to sell the place. His only hope is that industry buys his place to expand. He's in Sulphur and where he is makes that a possibility.

He said that when people do show interest in buying they all come back and say the insurance is $400+ per month.

As far as him raising it, Ave Maria is a slab engineering company in town and they do that sort of thing though I doubt he is aware it's possible.

I don't know the guy like that. Met him one time when I was checking on a repo next door to him. He told me not to buy it because of the flood insurance issues. If I am ever that way though I may swing by and tell him.

Thanks

quote:

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yo brah its all about the elevation of your designed home

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If you can build it six inches above what is required you will see a nice drop. That six inches gets rounded off to one foot above required elevation.

Which street?

A lot of misinformation so far. I'm building in a VE zone now. 15 feet in the air on pilings. For a $300,000 house the annual flood insurance is:

At BFE - $3,800
BFE +1 foot - $2,200
BFE +2 feet - $1,400
BFE +3 feet - $1,150

Fairly rough numbers but you get the idea. Go base flood elevation plus two feet if you have any sense. A lot of places require it.

Also - we looked at a house that is BFE -1. Great place but flood insurance is $11,000 a year. They almost can't give it away.

Wind and hazard insurance is going to run around $1,500 a year. Not a cheap place to live. But I think it will be worth it. And it's in Florida rather than Louisiana so there could be some differences.

Are you saying you can add fill to bring a lot/pad above BFE?

OP: Run away like your hair is on fire.

The actuarial gods are trying to tell you to run.

Have you ever flooded? I already know the answer.

Would you move next to Mauna Loa?

If you were talking about Lakefront Mandeville property, you'd be an OT Baller and wouldn't have to ask us for advice. You are not one, do not expose yourself to this potential problem.

Almost all the new construction I see in that area is pilings. Build up, park/garage underneath, profit.

Yeah well you probably can't bring in dirt with the no net fill requirements.
Build up on pilings or piers high enough and it wont be much. Now you need to ask how much building on piers or pilings vs building up dirt costs........... dat shite ain't cheap.

In St. Tam parish they actually have a no net fill. By the lake, on a lot, he most likely will not be able to bring in dirt. On big pieces of property you can do what they call mitigate, and bring in dirt. I doubt he can though. That parrish actually has very good drainage rules that keep neighbors from screwing each other IMO.