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Started By
Message
re: Claiborne Oaks in Madisonville inquiry
Posted on 3/6/24 at 1:00 pm to lsupride87
Posted on 3/6/24 at 1:00 pm to lsupride87
My advice from someone who built on a bayou, GET A WETLANDS DELINEATION survey. It will be free from the Corp with that amount of land. My sale on a property was contingent on that. Because if any of that is wetlands, you will have to pay the corp for mitigations if you want to build
0
Posted on 3/6/24 at 1:40 pm to lsupride87
quote:It will continue to go up. We are in Terrabella. Don't need flood but thought I'd get it. It was like $2400 or something under the new rules because it's a new policy. Went with beyond floods and was able to get $500k for around $1000
Yeh I’m in flood zone x. But with new flood pricing etc it’s now $929 for the year starting 4/15. It’s at the point I’m contemplating not getting it and self insuring myself with savings. I mean flood x used to be standard $400 only a couple years ago.
My homeowners is atrociously high. Over 6k
Posted on 3/6/24 at 2:37 pm to achenator
My house in Claiborne Oaks is flood zone A10 and my first floor is 5 feet above that. My flood insurance is $422 a year. I've been with the same company since 2008, not sure if that makes a difference.
Posted on 3/6/24 at 2:42 pm to RC
quote:
My flood insurance is $422 a year.
You sure about that!?!
Posted on 3/6/24 at 2:44 pm to Chad504boy
quote:
You sure about that!?!
Yeah I just looked it up. That's about what it's been since I moved in.
Posted on 3/6/24 at 2:46 pm to RC
quote:
That's about what it's been since I moved in.
Sorry but that doesn’t make sense to me
Posted on 3/6/24 at 2:50 pm to Chad504boy
Might have to do with the tchefuncte river running right behind terrabella. Tallow Creek had a bunch of homes flood during Ida, if I remember correctly.
Posted on 3/6/24 at 2:53 pm to kengel2
quote:
Might have to do with the tchefuncte river running right behind terrabella. Tallow Creek had a bunch of homes flood during Ida, if I remember correctly.
this dude is saying he's in claiborne oaks with a $422 policy "that hasn't changed"...
Posted on 3/6/24 at 2:57 pm to lsupride87
People don't realize that north of I12 in this area fared wayyyyy worse in the 2016 floods than south of I12.
Posted on 3/6/24 at 3:04 pm to Chad504boy
My house is 5 feet above BFE, I’d assume that makes a difference. Otherwise not sure, flood insurance is run by the federal government so it’s not surprising if it doesn’t make sense.
Posted on 3/6/24 at 3:07 pm to RC
quote:
My house is 5 feet above BFE, I’d assume that makes a difference. Otherwise not sure, flood insurance is run by the federal government so it’s not surprising if it doesn’t make sense.
I just ran a quote at +5 bfe and it’s $1100+ and you saying it hasn’t changed is weird. Not sure you’re looking at the correct source
Posted on 3/6/24 at 3:17 pm to TigerTatorTots
quote:
People don't realize that north of I12 in this area fared wayyyyy worse in the 2016 floods than south of I12.
flood has nothing to do with the original idea of being north of 12 for wind purposes which is homeowner's not flood.
these days, i-12 means less, specifics on house mean more. bur regardless, we all in a shite basket now.
Posted on 3/6/24 at 3:29 pm to kengel2
quote:If it were that bad our bank would require it. TB was all dry in IDA and our pad is pretty high. we are X
Might have to do with the tchefuncte river running right behind terrabella. Tallow Creek had a bunch of homes flood during Ida, if I remember correctly.
This post was edited on 3/6/24 at 3:34 pm
Posted on 3/6/24 at 3:32 pm to Chad504boy
quote:
I just ran a quote at +5 bfe and it’s $1100+ and you saying it hasn’t changed is weird. Not sure you’re looking at the correct source
The base premium is 838. There is something called annual increase cap discount that is 458. Then there's a few other surcharges and the net is 422.
Posted on 3/6/24 at 3:34 pm to Chad504boy
quote:
this dude is saying he's in claiborne oaks with a $422 policy "that hasn't changed"...
I dont know, was just thinking about the discrepancy between his and the terra bella.
Posted on 3/6/24 at 3:36 pm to achenator
quote:
If it were that bad our bank would require it. TB was all dry in IDA and our pad is pretty high. we are X
Ya, I dont know, just spitballing as to why yours would be so much higher.
Posted on 3/6/24 at 3:39 pm to kengel2
quote:I guess it would have something to do with it being a brand new policy, We built in 2020, moved in early 2021 and I tried to get insurance around this time in 2022.
Ya, I dont know, just spitballing as to why yours would be so much higher.
Posted on 3/6/24 at 3:42 pm to TigerTatorTots
Exactly.
No one understands topography.
No one understands topography.
Posted on 3/6/24 at 3:43 pm to RC
quote:
The base premium is 838. There is something called annual increase cap discount that is 458. Then there's a few other surcharges and the net is 422.
are you carrying 0 contents?
Posted on 3/6/24 at 3:47 pm to Lester Earl
quote:
Shhhh
We’re full
Sorry, not great over here
quote:
Lester Earl
quote:
Too bad I’m already “here”
quote:
lsupride87
frick, now I got to move.
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