Flood Insurance In Texas FAQs Part Two

Flood Insurance In Texas FAQs Part Two

Flood Zones

This is Part Two of Two articles on flooding, flood zones, and the value of flood insurance. As I stated in Part One, Texas has had record rainfall for the past two years, with massive flooding in many areas, and even flooding in some areas that have never before seen any kind of high water. This year alone, as of today, August 1 of 2016, Texas has already seen twice the amount of rainfall than recorded two years ago in 2014 for the entire year. (Please see Part One for the actual stats on how many inches.  You can find a chart from Texas A&M Agrilife Extension with monthly reports ranging from 1968 through the current date of this year right here: http://etweather.tamu.edu/rainhistory/

So, I have been asked, "What exactly is a flood zone" and "How do I know if I am in a flood zone or not?" I am going to attempt to answer those questions and more right here. 

  1. WHAT IS A FLOOD ZONE AND HOW DO I KNOW  WHETHER OR NOT MY ?
    Flood zones are land areas identified by the Federal Emergency Management Agency (FEMA). Each flood zone describes that land area in terms of its risk of flooding. Everyone essentially lives in a flood zone--€“it's just a question of whether you live in a low, moderate, or high risk area. If you want to know what your risk is, this link https://www.floodsmart.gov/floodsmart/pages/flooding_flood_risks/understanding_your_risk.jsp# will take you to a "Flood Risk Profile" that you can fill out, and see what your risk is by the area in which you live.

  2. WHAT ARE SPECIAL FLOOD HAZARD AREAs (SFHA)?
    Land areas that are at high risk for flooding are called Special Flood Hazard Areas (SFHAs), In high-risk areas, there is at least a 1 in 4 chance of flooding during a 30-year mortgage.

  3. WHAT IS A NON-SPECIAL FLOOD HAZARD AREA (NSFHA)?
    A Non-Special Flood Hazard Area (NSFHA) is an area that is in a moderate- to low-risk flood zone. An NSFHA is not in any immediate danger from flooding caused by overflowing rivers or hard rains. It is important to note that structures within a NSFHA are still at risk. In fact, over 20-percent of all flood insurance claims come from areas outside of mapped high-risk flood zones.                                                                                                             
    This is just a little bit of info about flooding, why you might consider purchasing flood insurance to protect your investment, and identifying flood zones. Remember: I am not an insurance agent, just a realtor, but I am a realtor who learned the hard way about the importance of flood insurance (See Part One for my  story).  Much of the factual information I used for my blog comes from a government website :https://www.floodsmart.gov/ and you might want to visit this site for more information.  






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Phone: 936-537-9103
Dated: August 1st 2016
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