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How do I know if a house requires flood insurance?

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October 12 2013 - Mandarin Station - Losco
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I would check to see if you have a Natural Resources Department in your town and ask them. This is a "hot" topic nowadays and I visit The Natural Resources Department for every home that I list or sell. 
Good luck!
Laura

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October 28 2013
The most accurate and easiest way would be to call a local insuance agent. But there is always the governments website (Floodsmart) at the link below. I hope this helps.

http://www.floodsmart.gov/floodsmart/

Vicki Biehl, Realtor

941-628-6144

Biehlsells@gmail.com

http://www.Charlottecountyhomesales.com

http://www.Sarasotacountyhomesales.com

http://www.FloridasBestWaterfrontHomes.com

Century 21 Aztec & Associates

"No Transaction Fees"

SMARTER.FASTER.BOLDER.

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October 12 2013
I think the old 'an ounce of prevention' works well with this situation.

First remember that only flood insurance covers floods.

What is a flood? It doesn't always come in the form of  a river, sometimes
it is creeks that have never been out of their banks.
Sometimes it maybe a reserve somewhere a few miles away, that one day
decides it doesn't want to be there anymore.

I have seen these type floods in the past 5 years right here where I live.
They are without notice, fast and do more destruction than typical river
flooding.

Thing is if there is any body of water, run off area, or drain of a large diameter , chances are it has never done anything but work perfectly,
till one day.
These types are not going to be on anyone's list anywhere cause it hasn't happened yet.

Flood insurance in this situation will not cost you a lot, and you will have
protection needed if one of these fail.
A few inches in your home may as well be 3ft. it will cost you the same
costs to replace. Thousands.
-Joseph-
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October 12 2013
If it is currently owned the present owner might have been required to get it.  Otherwise - the Fema maps, but they can be confusing.  Calling an insurance agent would probably be the fastest.
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October 12 2013

Check out with your insurance person, they can tell you if it is needed and how much is it.  You can also ask the seller.
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October 12 2013
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Have you started with the FEMA maps? 

It wouldn't hurt to talk with your insurance agent also. 

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October 12 2013
 
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How do I know if a house requires flood insurance?
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