01:31PM | 04/19/04
Member Since: 04/18/04
1 lifetime posts
My husband and I are looking at buying a piece of property for our new home. It has a 100 year flood line that runs through part of the property. Can anyone explain to me what that is and how it affects where a home/structure can be built?


07:25PM | 04/19/04
Member Since: 01/28/03
693 lifetime posts
In the United States, the US ARMY CORPS of ENGINEERS researches, maps and dilineates flood plains all across the US.

These data are used by insurance companies, zoning and building code boards, and emergency management agencies to examine and control, evaluate and recommend policies relating to flood control.

Living in a 100 or 500 year flood plain can be as simple as paying $100 per year in Federal Flood Insurance.


09:45AM | 04/24/04
Member Since: 03/23/04
71 lifetime posts
I live in a town that is riddled with flood zones. I grew up in a flood zone, and knew enough to check before I buy the property. You can tell if you are in a flood zone by looking at a FIRM (flood insurance rate map) it is published by FEMA. Their should be some central repository in your area, mine was at the towns zoning office.

sometimes you need a surveyor to give an official make an official decision as to whether you really are in the flood plane. But what it comes down to is your lender will probably require you to purchase flood insurance, I've been pricing it and have gotten anywhere from 348.00 to 1500.00 per year.

In my case there have been changes made to the area (land fill etc) and my home is borderline, so for an additional 200.00 my surveyor will do site elevations and submit the proper paper work to get it out of the flood zone. This is no guarantee that your lender won't continue to require flood insurance but I feel it is worth a shot.

I really don't feel I am in an area that is likely to flood, like I said we have lots of flood zones. So I feel confortable trying to have it removed.

Wish I could find a policy for $100.00!!!



02:46PM | 04/03/09
Member Since: 04/02/09
2 lifetime posts

I noticed that your request for a definition of a 100 year flood line was posted in 2004. Please let me know if you went ahead and purchased the property after finding out all info. I'm currently looking at land in NC that is in a 100 year flood line. Any info you can share would certainly be appreciated. Thank you in advance.



Post a reply as Anonymous

Photo must be in JPG, GIF or PNG format and less than 5MB.


type the code from the image


Post_new_button or Login_button

Colorful, useful, and fun, these tire planters form the foundation for a delightful container garden. Just spray-paint old... Reused steel windows create an eye-catching splashguard in this walk-in shower. The vintage factory windows bring an inter... A galvanized steel tub is a surprising but charming fixture in this bright and breezy screened patio. It's perfect for was... If you're not crazy about the idea of commingling plants and pool, this modern variation may be more to your liking. The s... Yes, a freestanding garage can become its own tiny house. Artist Michelle de la Vega has all the comforts of a modern resi... If you lack plumbing skills but have a good sturdy tree, here's the easiest outdoor shower solution of all: Simply attach... Pursue what's known as the stack effect. To achieve it, open the windows on both the upper and lower floors, and as warm a... How do you like this smart use for an old bottle? Clamp an empty wine bottle to a fence or wall near your outdoor deck or ... Simple and striking, a couple of pieces of "lovingly used" furniture creates a special kind of charm. A weathered chair fo... Twine lanterns add pops of crafty—but sophisticated—flair to any outdoor setting. Wrap glue-soaked twine around a balloon ... When securely fastened to a tree or the ceiling of a porch, a pallet and some cushioning make the ideal place to lounge. V... Incorporate nature into your lighting scheme by securing a dead tree in a concrete mold and draping your pendant lamp from... For the cost of a can of exterior paint , you can totally transform your porch. Paint the floor a hue that complements yo... In this urban apartment, a standard-issue patio became a serene and green perch by replacing the typical concrete with gro... This garden shed has been decked out to the nines. Designer Orla Kiely created the intimate home for a flower trade show, ...
Newsletter_icon Google_plus Facebook Twitter Pinterest Youtube Rss_icon