we are looking at a home built on a flood plain. we need to know if we can still build there if something ever happened to our home or if we wanted to build a garrage. where can i find that out?????
2007-02-19 07:30:24 · 15 answers · asked by bilinda a 2 in Home & Garden ➔ Do It Yourself (DIY)
Codes and regulations regarding home building and improvements are most likely available in the Planning office of the City Hall of the city in which the property is located. You should give them a call to find out about regulations.
But you've got a tougher issue to deal with: insurance and financing. If your home is located on a floodplain, you will need flood insurance, which you buy from the government. Here is the website that gives you information: http://www.floodsmart.gov/floodsmart/pages/index.jsp
The other issue is financing. Unless you plan to make any construction improvements with your own money-- not borrow against your home's equity or take out another mortgage-- you will need to get lender approval for any improvements you make or any construction you finance, and that may be difficult. A lot of lenders have gotten really conservative about financing construction in high-risk areas, and you may have difficulty securing a loan. The best way to find out about this would be to ask a lender directly: preferably the lender you would be most likely to try to get financing from.
Ask them about the possibility of financing for the home you are considering, and find out what they would need and how much it would cost. Good luck.
2007-02-19 07:44:32 · answer #1 · answered by Karin C 6 · 0⤊ 0⤋
You need to contact your local floodplain office, city engineers office, etc and they will be able to put you in touch with the right person to answer if you can build there.
You can ALWAYS buy flood insurance no matter if you are in a flood plain or not. The only time you cant is if you have repetitive flooding. By the time that happens your house has been flooded so often that you wouldn't want to live there. You are going to want to find out the price on the flood insurance before you fall in love with the house. If the house was built after the flood map was in force and the base floor elevation is below the base flood elevation in your area the premium can be really high.
2007-02-19 08:26:01 · answer #2 · answered by blb 5 · 0⤊ 0⤋
You need to check with the local governmental jurisdiction, i.e. city, county or parish. Probably a code compliance section if the jurisdiction is large enough to have one. Frankly, anyone who builds or buys a house in a flood plain is making a big mistake. ITS A FLOOD PLAIN. It got that designations because it FLOODS THERE. It's going to FLOOD THERE again some day. FLOOD PLAINS FLOOD and ruin peoples houses and lives and often take peoples' lives. Take my advice, buy a house that's not in a flood plain.
2007-02-19 07:42:24 · answer #3 · answered by Anonymous · 0⤊ 0⤋
I think I would buy a houseboat before I bought a house on a floodplain. With global warming now the rage, there's gonna be some more tough legislation for everyone to follow regarding construction, the environment and messing up the global climate in any way. The fact that January was the warmest in recorded history tells me there's gonna be more floods this year than last. Do you really want to take the chance? Just my humble opinion to keep an eye out for change... everything usually does.
2007-02-19 09:11:30 · answer #4 · answered by 6kidsANDalwaysFIXINGsomething 4 · 0⤊ 1⤋
your local building inspector should be able to answer that question. In Ohio, we can not build in a flood plane unless you are willing to buy a special insurance policy. It has a yearly premium that makes building in a flood plane cost prohibitive. And, do you really want to build in a flood plane. Even though some planes hardly ever flood....it only takes once to ruin your house, your photos, your family heirlooms, etc. You might find that the risk is unacceptable!
2007-02-19 07:41:32 · answer #5 · answered by toothacres 5 · 0⤊ 0⤋
Never buy a house on a flood plain. because even though you think it may not happen, it will!! that mold afterwrds just melts your house and it is really hard to find good insuurance for you home on flood plains, they barely cover any of the damages. just my opinio but it would have to e one heck of a house to go through all that repair if anything did happen
2007-02-20 02:40:26 · answer #6 · answered by Anonymous · 1⤊ 0⤋
Stay right away from the house and the flood plains when it dose flood again you house and most of the stuff inside will be rect be smart and buy somewhere elseit will save you a lot of money and heart ack
2007-02-19 18:29:44 · answer #7 · answered by Jamz s 2 · 0⤊ 0⤋
Why even consider buying a home on a flood plain? It dosen't make much sense to me. I sure wouldn't by a house that was.
2007-02-19 12:35:10 · answer #8 · answered by David A 3 · 0⤊ 0⤋
the only things that can stop you is if you cannot get permits to build or fema has bought the property.
once fema buys out a house it will be leveled and nothing can be built on it again. fema has bought several homes where i currently live, including the house next door, this makes for a wide open neighborhood.
2007-02-19 07:43:54 · answer #9 · answered by RUSSELLL 6 · 0⤊ 0⤋
I provided that similar advice to our county board of supervisors at the same time as they wanting to construct on a flood trouble-free in this area that were placed aside strictly for farming through a authorities provide. Contractors and builders do not fairly care. they are take-the-money-and-run those who do not even stay in the area. If city hall is corrupt and in trouble-free terms needs to make money for themselves lower than the table then you quite are set up for yet another Katrina. more beneficial advantageous stilts and a deliver than a substantial flood with lack of lives. we are nonetheless combating our corrupt city hall in Merced, CA. the problem has lengthy gone all the thanks to the state capitol and we can not supply up.
2016-12-04 09:26:55 · answer #10 · answered by Erika 4 · 0⤊ 0⤋