How Do I Know If I am In A Flood Zone in Suffolk County NY?
When you are paying $1,500.00 a year in flood insurance, that's how.
In all seriousness, if your home is located south of Montauk Highway, then you are in a flood zone according to the FEMA flood maps and the Suffolk County Shelter & Storm Surge Zone Mapping Tool.
The frustrating part is, homeowners that are selling their Lindenhurst NY home and are south of Montauk Highway, it can be difficult to get those homes sold in a short amount of time.
Not all homes in Lindenhurst NY that are south of Montauk Highway will flood. I have seen homes sell that are right on a canal and have dry basements. Yes, I said basement. But, the next block over can have flooding issues. It does depend upon how the street is graded and the property and also how close you are to the water. The closer to the water you live, the greater the chances of flooding during storms. 'Nor Easters and hurricanes make flooding worse.
But the Federal government decided for Long Island that homes south of Montauk Highway are deemed to be in a flood zone. This makes it difficult for buyers who have to add an additional $140+ a month to their mortgage. Doesn't seem like a lot to us, but to some buyers it is. It gives them less buying power.
If you are concerned that a particular area floods, go there after a rain storm. Do your due dilligence. Ask the neighbors too. Do not assume that a house in Lindenhurst NY always flood just because it is south of Montauk Highway.
Flood Map & Flood Insurance Resources:
FEMA Flood Maps
Suffolk County Storm Surge Mapping Tool
Flood Insurance Information
Tidal Surge Map for Nassau County
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