Does Talavera Require Flood Insurance
When purchasing a home in Talavera, the most common question home buyers have regards the flood insurance requirement of homeowners. The popular neighborhood in Indio is highly sought after for its spacious & newer two-story homes.
In 2013, the community board members of Talavera started looking into what was necessary to eliminate flood insurance in the community. Although it's a meticulous process involving many different entities including, the Coachella Valley Water District (CVWD), Federal Emergency Management Agency (FEMA) and the City of Indio, the process appears to be slowly moving in the right direction.
The first step to eliminating the flood insurance requirement in Talavera was for the CVWD to certify the dike that is directly behind the community. Sounds easy, but when first approached the CVWD indicated this was not in their budget plans. However, since 2013 the CVWD has completed this first step in the process - the hydrology and hydraulics analyses of the dike.
The next step is to perform a geotechnical investigation of the dike. CVWD has indicated they have approved $500,000 and are currently accepting bids until September 12, 2014, for this step of the process. Once the study is completed it will be determined if any additional specific improvements are required to certify the dike. CVWD has not offered an estimate of how long this process will take.
The community board members of Talavera are moving in the right direction. Although the process will be tedious, I believe we will have resolution at some point in the future. After all, the community of Sun City Shadow Hills that also backs up to the dike does not require flood insurance.
It will be well worth the time and effort to remove the flood insurance requirement as it is estimated Talavera homewoners as a whole spend a minimum of $230,000/year on flood insurance.
The CVWD will most likely have the proposals for the geotechnical inspection of the dike on its agenda at either the next boarding meeting on September 23rd or the following month on October 14th. If you are a current or future homeowner of Talavera, you should consider attending these board meetings of the CVWD.
If you have questions on flood insurance in Talavera, please call/text me at 760-574-8486 or feel free to send me an email and let me know how I can help.