Houston TX | Flood Insurance Requirements Are Changing

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Houston TX Flood Insurance Requirements Are Changing

Houston TX property owners are you in a flood zone?  Every so many years the flood maps are Possible Houston Texas Homeowner in floodupdated.  For example, if you bought a home in Houston Texas in 2006 you may not have been in a flood zone, but now in 2011 you just might be in a flood zone according to the FEMA update.  Most lenders will require this type of coverage on real estate property.  However, you do have those cases where the whole thought just slips right through the cracks.  If you do have flood insurance coverage, and you are paying a preferred rate, things may change in the future regarding your real estate property in Houston Texas.

Sometimes during the updating process properties are classified as being in a flood zone.  If this happens to you, then you may have to hire a surveyor to survey your Houston Texas property.  You may need to obtain an elevation certificate during the process too.  An elevation certificate is an important tool used for the National Flood Insurance Program.  This certificate provides information regarding the elevation, building type, flood map location and additional information used to determine the correct flood insurance premium rate a homeowner in Houston TX should pay.  While the prior information is vital, property owners currently within a flood zone can also make note that the certificate is an important risk management tool too.  Whenever a survey is initially done for a home not in a flood zone, an elevation certificate is usually not provided.  Elevation certificates are usually provided along with surveys done on properties in flood zones at the time the survey is done.  Therefore, if asked to obtain one do not be alarmed by the request because it is considered standard procedure in the Houston TX area and those surrounding.


Real Regards,


Chalmette Ray

Real Estate Consultant

Keller Williams Realty





Copyright © by Chalmette Ray 2011* ALL RIGHTS RESERVED

*Houston TX Flood Insurance Requirements Are Changing*






Comments (6)

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Apr 05, 2012 02:04 AM
Katerina Gasset
The Gasset Group & Get It Done For Me Virtual Services - Provo, UT
Amplify Your Real Estate & Life Dreams!

Great article you have here Chalmette. Thank you for providing information about the changes for flood insurance requirements. This will greatly help home owners who might be in the flood zone area already. All the best!

Apr 09, 2013 02:18 AM
Erika Rogers
Red Rock Real Estate ~ Southern Utah's Largest Independent Brokerage - Saint George, UT
St George Utah Real Estate & Relocation Specialist

Hello Chalmette, informative post that discusses the importance of obtaining an elevation certificate. Hope to hear many more informative articles like this in the future. Keep it up!

Apr 10, 2013 07:12 PM
Petra Norris
Lakeland Real Estate Group, Inc. - Lakeland, FL
Realtor, Lakeland FL Homes for Sale

It is vital for a home owner to check every now and then if their Texas property is part of the flood zone. Be sure to hire a decent and expert surveyor to survey your Houston Texas property to avoid complication in the future. Thank you for the added knowledge Chalmette. Great work!

Apr 10, 2013 07:22 PM
Melissa Muse Wiggans
Real Estate Muses - San Antonio, TX
CRS, GRI, ABR - Real Estate Muses

Great stuff here Chalmette! Thank you for the informative post. I enjoy reading your articles. Keep them coming!

Apr 10, 2013 07:30 PM
Waynette Hoover Araj
Keller Williams Realty - Asheboro, NC
Connecting your Dreams with the Right Real Estate

Clear,precise and easy to understand post Chalmette. Hope many of your avid readers were able to appreciate and understand the changes in flood insurance requirements and the importance of acquiring an elevation certificate. All the best and continue being the top notch Houston Real estate agent.

Apr 10, 2013 07:41 PM