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Old 01-16-2014, 06:19 AM   #1
Join Date: Oct 2012
Location: Fort Wayne, Indiana
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FEMA floodsmart results v reality

Hi all,

I'm buying a house in a neighborhood that fronts on the Maumee River in Indiana. I checked the address in http://www.floodsmart.gov/floodsmart/ and OMG it turned out to be high risk. I was crushed.

Anyway, I checked with our local planning office and I took a short list of addresses of nearby homes.

Turns out floodsmart will show you as high-risk (requiring flood insurance for a mortgage) if the flood plain touches any boundary of your property. Banks use a site plan/survey; therefore if the footprint of your building is an appropriate distance from the flood plain they WON'T insist on flood insurance.

Just thought I better post this here in case anybody (like me) is concerned about what high-risk means from the FEMA site. Your local planning office or recorder's office has detailed floodplain map overlays that will give you the real data you need.


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