Should I buy a home located in a flood zone?

Real Estate Broker/Owner with Christiansen Group Realty (260)704-0843

My short answer?  It depends.  

Those of you that know me realize that I rarely share just my short answers...  

Fort Wayne has three major rivers running through it.  The St. Marys, St. Joseph, and Maumee Rivers meet downtown.  

There has been a history of flooding issues in certain areas of Fort Wayne, so over the last 10 years or so the city has done extensive work on the river banks to contain most of it.  

Flood zones in Fort WayneThat said, there are still a handful of neighborhoods in Fort Wayne that are in a flood zone, even though they haven't flooded in years.

One of the neighborhoods in a flood zone is the Belle Vista area in Waynedale.  There are about 3-4 streets in this neighborhood that are in the flood zone and require flood insurance.  

To my knowledge (I've lived near there for 8 years now) there has not been any flooding in this area.  Even after a record amount of snow this past winter I didn't see any water in the area.  

So living there shouldn't be a big deal right?  If it doesn't actually flood, what's the big deal?  

Flood insurance is the big deal.  

Since the homes here are technically in the flood zone, you're required to carry flood insurance.  Depending on the price of the home, that could range from $50-$150 extra a month.  

Don't quote me on that since I'm not an actual insurance agent.  That's just an estimate on the numbers that I've seen.  

The good news?  

Since homes in flood zones don't appeal to the masses because of the additional monthly cost (and still the risk of flooding), you'll probably be able to get more home for the money in these areas.  

So...  back to my question.  Should I buy a home located in a flood zone?

I don't know.  I think each individual case is different.  

What are your thoughts?  


Posted by




Fort Wayne Realtors Jared and Amanda Christiansen with Century 21 Bradley

Amanda Christiansen is an award winning Realtor with Christiansen Group Realty.


Jared Christiansen is a business partner and in charge of marketing and taking care of things behind the scene.


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Andrew Mooers | 207.532.6573
Northern Maine Real Estate-Aroostook County Broker

Technically we are all in the flood zone if you think back about the 500 year old guy who started collect two of every animal and made them walk the plank over the 100 years to build the backyard boat. Good post. So many FEMA flood maps are way out of whack here that it is faulty to rely on them and need the exception surveys to get out from under the wrong designation.

Mar 24, 2014 11:33 PM #1
Jeff Stevens
Berkshire Hathaway HomeServices New Mexico Properties - Las Cruces, NM
Jeff Stevens REALTOR®/Associate Broker

Good post! That question pops up all the time here in the desert believe it or not. But the short answer that I give is - it DOES rain here and sometimes it floods. If you can decipher a FEMA map these days, congratulations! And I agree with Andrew above. Aren't we all kind of in a flood zone these days?

Mar 25, 2014 12:09 AM #2
Pete Xavier
Investments to Luxury - Pacific Palisades, CA
Outstanding Agent Referrals-Nationwide

We have that situation here with homes close to the cannel, it rarly does flood.

Flood insurance can add up to a fortune over the years.

Mar 25, 2014 12:49 AM #3
Anna Banana Kruchten CRB, CRS 602-380-4886
Phoenix Property Shoppe - Phoenix, AZ
Arizona's Top Banana!

Jared as you say - it depends. We have flood zones here in AZ where many folks can't imagine there being enough water to flood anything. But there is and knowing what areas are in a flood zone and if it's a common thing or 100 or 500 year flood zone makes just plain good sense. We almost got flooded out about 8 years ago - and we're not in a flood zone. There was a 'microburst' (3 storms collided) monsoon storm and it was wild -  continuous infinity lake on the entire property. Thankfully we were able to contain it before it got into any doors. It was crazy.

Mar 25, 2014 02:02 AM #4
Amanda Christiansen
Christiansen Group Realty (260)704-0843 - Fort Wayne, IN
Christiansen Group Realty

That is an excellent point Andrew!  Well said.  

Thanks Jeffrey.  I, for one, can NOT decipher a FEMA map.  LOL!

Agreed Pete.  $75 a month for 15 years does add up.  

That microburst sounds crazy Anna!

Mar 25, 2014 03:04 AM #5
Tom White
Franklin Homes Realty LLC (615) 495-0752 or - Franklin, TN
Franklin Homes Realty LLC, Franklin TN

My short answer would probably be no. Our area of Middle Tennessee suffered through an incredible flood in May, 2010. They called it a 500 year storm. So much devastation and they are still reworking the maps, four years later. It's not only the additional cost, it's the terrible risk...Just my experience.

Mar 25, 2014 04:55 AM #6
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Amanda Christiansen

Christiansen Group Realty
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