Floods Happen

Water falls from the sky, and when it does, you’d best be prepared for it to land on the ground. Make sure you’re ready by knowing your home’s flood risk. The Federal Emergency Management Agency maintains a map of calculated flood risks to help you make an informed decision before you purchase a property.

Search your property on the FEMA Flood Map Service by clicking here.

An example of a flood map from FEMA. Each zone corresponds to a different annual risk of flooding.

How do flood zones impact my home purchase?

Banks often require flood insurance in addition to traditional home insurance when buying a home in a flood zone. Rates for flood insurance can vary wildly, so it’s best to get a quote early to avoid a payment that is larger than you expected.

How do flood zones impact my home sale?

If your home is in a flood zone, buyers will likely need flood insurance in order to get a mortgage. That means their monthly payment will be higher and lower their purchasing power. Buyers may also be scared of buying a home that is more likely to flood, further reducing the pool of potential buyers.

Need more help? You can reach me at 601-906-0749 or by clicking here