Flood Zone Question

[Lake Chuck Duck]

Before you do ANYTHING ask for the elevation certificate on the house. If the owner does not have one he is responsible for paying to supply it. If you are not at least 1 foot above the base flood level, walk away. We had to pass on a house that we had already paid for inspection because we found out about it being 1 foot below base flood. Since FEMA took over the flood insurance rating in a bill passed last year, in a couple years our rate would have gone from $416 a year to $5,000 a year. We werent taking that risk.