Search FEMA Flood Maps By Address / Area

By
Real Estate Agent with Texas Urban Living Real Estate 0596165
http://actvra.in/48KV

FEMA has an online seach engine which allows the general public to search flood maps by address.  New home buyers who suspect their home may be in a flood zone may want to input their property address to see if the area was re-classified as a flood zone.  FEMA has recently re-drawn some flood maps in the Dallas metroplex area.  This has resulted in some areas being reclassified as flood zones that were not previously considered to be in flood zones. 

The FEMA online search engine is located at http://msc.fema.gov/webapp/wcs/stores/servlet/FemaWelcomeView?storeId=10001&catalogId=10001&langId=-1

Many mortgage lenders to not request a flood certification from FEMA until the underwriting process is nearly complete.  This can result in a buyer learning the home they are purchasing is in a flood zone at the last minute, which is a surprise that nobody likes to hear. 

Additionally, all mortgage lenders reserve the right to require a home owner to obtain flood insurance if their home is determined to be in a flood zone, even if this occurs months or even years after they purchased the home.  The price of flood insurance is set by the government since it is issued by FEMA directly via independent insurance agents.  The price varies based on the amount of coverage required, the various deductibles and also the type of flood zone. 

For a list of insurance agents that sell flood insurance in the D/FW area, click here.  Some, but not all, insurance agents require a home owner to purchase hazard insurance (fire, etc) in order to write a policy for flood insurance.  Most agents will also require a copy of the FEMA flood cert before they can provide an accurate insurance quote. 

Posted by

John Jones, Realtor(R)

Texas Urban Living Real Estate

www.homesourcedallas.com

5706 Greenville Ave Suite 210

Dallas, TX 75206

Dallas, TX Real Estate and surrounding areas of Richardson, Plano, Addison, Frisco, Carrollton, Farmers Branch, Garland, Allen, Irving, Rowlett, and Rockwall.

Dallas, TX neighborhoods and subdivisions of Lake Highlands, White Rock Lake, Lochwood, Eastwood, L Streets, M Streets, Hollywood Heights, Lakewood, Coronado and Gastonwood, Forest Hills, Lochwood, Eastwood, and Preston Hollow.

Copyright 2008-2013 by John Jones, All Rights Reserved.  You may reblog or republish with links back to this post. 

* THIS ARTICLE WAS ORIGINALLY PUBLISHED AT http://www.homesourcedallas.com  *

 

 

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Topic:
ActiveRain Community
Location:
Texas Dallas County
Groups:
All Thing's Texas
Consumer Mortgage Tips
Dallas Real Estate
Mortgage Brokers
Texas Real Estate
Tags:
flood insurance maps
flood insurance search
fema flood zones

Comments 4 New Comment

Show All Comments
Rainmaker
236,035
Dominick Dina
MA, GRI, e-PRO, TAHS, SFR
Christian Realty San Antonio

Thanks John.  Bookmarked.

Never can have too much information.

Dominick

September 21, 2009 08:03 PM
Rainmaker
775,458
Richard Weeks
Realtor, Associate Broker - Manager Business Development
Waller Group

John,

Great site to provide to a client.  Thanks for sharing.

September 22, 2009 05:09 AM
Rainmaker
70,078
John Jones
Texas Urban Living Real Estate

thanks guys.  i'd highly recommend running any property though this search engine that is anywhere close to water, no matter how small.  Had a client close last week that was 100 yards away from a tiny creek and her home was rezoned into zone AE. 

September 22, 2009 11:14 PM
Rainmaker
374,091
Russell & Tracy Lee Parker
Experienced Broker & Property Managers Since 2006
RE/MAX Dallas Suburbs

I had a client ask me this just the other day. Thanks for the website!

October 06, 2009 07:56 AM
Show All Comments
Rainmaker
70,078

John Jones

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