Did you know that floods can occur even if you don’t live near a river, lake, or ocean? Areas most prone to flooding are barrier and offshore islands, areas near rivers, creeks, or canals, and low areas including those with elevations of less than 10 feet above mean sea level.
If you are looking to buy a home in the state of Florida, you need to check the flood hazards before you buy. One place you can begin is the FEMA web site at: http://www.fema.gov/hazard/flood/info.shtm. It will provide you with general flood information, flood insurance, and flood maps.
Another way to find out about flooding before you commit to buying a home is to check with the local county emergency management department. In Charlotte County, FL the web site is: http://www.charlottecountyfl.com/Emergency/Flooding/. It provides a storm surge map, flood zone map, and general flood information such as flood safety. For information on flood risk of a specific property go to: www.ccgis.com.
If the property you plan to purchase is within a flood zone, you can purchase National Flood Insurance through a property insurance agent. If the property is located in a flood plain, flood insurance is required when you obtain a mortgage. Flood insurance is available on homes, condos, and mobile homes and most enclosed buildings. If you are renting, you can get insurance on your contents.
Don’t get caught in a flood. Know what you are getting into when you purchase a home.
Tammy Hayes, Sandals Realty, Punta Gorda, FL – firstname.lastname@example.org