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Name:	striper222 -	Reply
Subject:	flood zone
Date:	12/31/2008 8:42:27 AM

Has anyone gotten notice from Chase (if they hold your mortgage) or any other lender, that you are now in a flood zone and are required to have flood insurance and if you do not have it in 45 days then they will provide it for you at your expense. They claim that FEMA had reclassified my property in November 2008.

Name:	Swimmer27 -	Reply
Subject:	flood zone
Date:	12/31/2008 9:02:17 AM

That is really strange. Since 1926 the lake has never left it's banks. It theoreticcally could now with the additional coffer dam built after the overflow of 1980, but that was built over 20 years ago. To just now change the status seems rather odd to me. I am sure they uipdate flood maps much sooner th at than. What part of the lake are you on? I have a Chase mortgage and a very level flat low lot and haven't heard a word from them.

Name:	LakeStone83 -	Reply
Subject:	flood zone
Date:	12/31/2008 10:56:46 AM

Supposedly some lots at the Ridge are considered in a flood zone. Seems weird to me considering some of the houses are 100 feet above the water.

Name:	Swimmer27 -	Reply
Subject:	flood zone
Date:	1/1/2009 4:39:58 PM

If that is the case then they may be flooded by some stream or creek, but NOT the lake.

Name:	Hawks Nest -	Reply
Subject:	flood zone
Date:	1/3/2009 1:29:25 PM

Today I eceived notice from my city government notifying me that they will update the flood insurance rate maps in cooperation w/ FEMA. Suppose my home will soon need flood insurance.

Name:	Nutin Bitein -	Reply
Subject:	flood zone
Date:	1/4/2009 11:32:35 AM

They map the whole lot not just were the house stands. It is sometimes better to hire a survey company to chart the house on the lot to show flood is not needed. Most lenders will accept this. So if the corner of your lot extends out below 490 they would say you need flood. Even if your house is 50ft above that. An elevation cert. will show your house is safe and prevent you from having to buy flood every year.

Name:	Freshwater Bay Girl -	Reply
Subject:	flood zone
Date:	1/5/2009 7:45:43 PM

We just went through this with our business in Birmingham. You can see if your survey has any elevations on it. If not, you can request a flood zone elevation certificate from a surveyor. We had the flood elevation certificate done by a surveyor.The county would not sign off on it although the filling that had brought the property into the zone X was at their request and they had the documentation. We had to hire the same surveyor and have him come do a complete survey with the elevations showing we are in zone X. This was sufficient enough for the bank to accept. They would have excepted the flood certification certificate along with a community acknowledgement form. This form is found on the FEMA website. Our bank understood that they were putting property in a "general" mapping zone when the facts were already there. You have to prove it unfortunately. We decided to go forward with the complete acknowledgement and have the map changed so that if we sell the property in the future our kids will not be out of the loop and have to deal with the headaches of government as usual.
I have the documents handy if you want me to fax them to you. You may be able to get something from the county that they may have already. This happened along the florida coast and left many with higher insurance etc... the burden of proof was theirs to prove as well.
Welcome to my world this year. Ha!

Name:	Hawks Nest -	Reply
Subject:	flood zone
Date:	1/5/2009 8:33:01 PM

Thanks for the info. If I do indeed fall into a flood zone, I will take your advice about hiring a surveyor.

Name:	Freshwater Bay Girl -	Reply
Subject:	flood zone
Date:	1/9/2009 9:00:53 AM

You should be able to find your property on the county's flood map. If you are in zone "X" then you are Ok. If you are in zone "AB" then you will have to prove that the property elevation is higher than the flood zone elevation. This would have had to have been filled some time in the past. You are only concerned about the structures on the property. You will be back to the burden of proof. That was our situation.

If the property has been filled in the past and you just want to get rid of the flood insurance and do not want it permanently removed from the maps then you need to file for a " LOMA". If you want it permanently removed then you will need to file for a " LOMAR" This will protect the property from further inquiries from FEMA or the banks when the property is sold or changes generations with any bank financing on the property. We are trying to protect our children from any future headaches of this nature.

Good Luck! I will share with you the info as I go through the steps. Headed to the Engineers office today.

Name:	Hawks Nest -	Reply
Subject:	flood zone
Date:	1/9/2009 10:25:41 PM

This is good information. Thanks for posting.

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