What FEMA Won't Tell You About Flood Insurance

[@FloodInsuranceGuru]

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[@Thomas_Curiel09]

Great video. I’m in the process of buying my first home, the home I’m currently renting, in Twentynine Palms, California and my bank says FEMA has the property in a flood zone which requires flood insurance. I’ve live in this house for over 10 years through hurricane weather, through snow storms, and through some bad thunderstorms with crazy downpours of rain. The house was fine, didn’t get flooded inside not once. The house sits on a hillside too, near Joshua Tree National Park, so any accumulated rainfall is either soaked up by the ground or the water goes downhill. I was wondering if you can appeal FEMA’s flood zone determination? It seems like a scheme that FEMA would say certain homes are in flood zones so owners have to pay ridiculous amounts in insurance policies to keep insurance companies afloat. I don’t want to pay $900-$1400 for flood insurance knowing I’m not going to need it and could use those funds for maintenance for my property. Maybe it’s because I’m new, I just don’t understand this situation. I’m definitely looking into appealing FEMA’s flood zone determination on the property I’m buying.

[@FloodInsuranceGuru]

Yes, an elevation certificate could show that this property is above what's called the base flood elevation. This is the level of the female thinks flooding could come to. If it is above it then you could qualify for what it's called a letter of Mapp amendment referred to a flood zone change. We help people with this every day. In fact, I changed my own floods and more than 10 years ago.

[@Thomas_Curiel09]

@FloodInsuranceGuru Thank you for this information, I’ll have to do more research and get this processed. The only other thing that I could think of that they would say the house is in a flood zone is the drainage water that passes by my house and goes down the hill. The thing with that is I have been meaning to contact the city to redirect the runoff rain water coming from the streets above me and move it to the open desert. Still, the incline of the hill that the house sits on makes it to where not even a millimeter of water would flood my house. I’ll definitely use the information you’ve provide and look more into trying to get this issue resolved. Thank you for your help Sir.

[@FloodInsuranceGuru]

@@Thomas_Curiel09 a lot of it could have to do with different mitigation measures. However, about 40% of the time we find properties or placed in the wrong flood zone that's exactly what happened to my house. In fact I'm actually helping three different property owners remove their properties from flood zones right nowwould be having insurance agent ourselves run with a standard flood zone determination form for you and compare it to maybe a survey that shows different elevation numbers of your home