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Started By
Message
North shore flood zones - what’s the difference between A and C?
Posted on 1/10/20 at 1:40 pm
Posted on 1/10/20 at 1:40 pm
Where should I avoid?
TIA
TIA
14
Posted on 1/10/20 at 1:40 pm to white perch
C is good.
Posted on 1/10/20 at 1:42 pm to white perch
A is much worse than C, which is worse than X, which is considered “low risk”.
Posted on 1/10/20 at 1:44 pm to white perch
quote:B
what’s the difference between A and C?
Posted on 1/10/20 at 1:44 pm to white perch
Flood Zone definitions
quote:
Moderate to Low Risk Areas
In communities that participate in the NFIP, flood insurance is available to all property owners and
renters in these zones:
ZONE DESCRIPTION
B and X (shaded) Area of moderate flood hazard, usually the area between the limits of the 100-
year and 500-year floods. B Zones are also used to designate base floodplains of
lesser hazards, such as areas protected by levees from 100-year flood, or shallow
flooding areas with average depths of less than one foot or drainage areas less
than 1 square mile.
C and X
(unshaded)
Area of minimal flood hazard, usually depicted on FIRMs as above the 500-year
flood level. Zone C may have ponding and local drainage problems that don't
warrant a detailed study or designation as base floodplain. Zone X is the area
determined to be outside the 500-year flood and protected by levee from 100-
year flood.
Posted on 1/10/20 at 1:47 pm to white perch
I used to know this better. I think A is worse than C. A was pretty much a promise it will flood there once (min) in 50 years. I know X is best (means- no prior history of flooding trends) and C is a low risk area (B as well). Flood zone V should be avoided unless you want to live on the beach. (Those areas are always V).
Posted on 1/10/20 at 1:48 pm to white perch
quote:
what’s the difference between A and C?
About 350 on your insurance premium
Posted on 1/10/20 at 1:55 pm to white perch
C is good
A is bad
A is bad
Posted on 1/10/20 at 1:56 pm to white perch
You want to be in C or X
Posted on 1/10/20 at 2:11 pm to white perch
Base Flood Elevation relative to the elevation of your house is extremely important
Posted on 1/10/20 at 2:19 pm to white perch
Usually A means always floods and C means could flood. That’s not 100% the same everywhere but it’s a good rule of thumb.
Posted on 1/10/20 at 2:32 pm to white perch
You want to be in C or X. Low risk areas, cheap flood insurance thats not mandatory for most mortgages (buy it anyway).
A zones are higher risk and mandatory for mortgage. But its not necessarily always bad. You'd want to see an elevation certificate from the current owner. That'll show the elevation of the house compared to the base flood elevation (aka 100 year flood) for that area. Higher the house is above the BFE, the lower your risk and cheaper the flood insurance premium.
A zones are higher risk and mandatory for mortgage. But its not necessarily always bad. You'd want to see an elevation certificate from the current owner. That'll show the elevation of the house compared to the base flood elevation (aka 100 year flood) for that area. Higher the house is above the BFE, the lower your risk and cheaper the flood insurance premium.
Posted on 1/10/20 at 3:15 pm to Tiger Prawn
quote:
Higher the house is above the BFE, the lower your risk and cheaper the flood insurance premium.
I always thought that was a made up place.
Posted on 1/10/20 at 7:10 pm to white perch
I live in an A in Lafourche Parish, south of the intracoastal but inside the levee system. House is elevated by at least 3 feet.
Never flooded even for Juan.
Premium is about 350 to 400 a year for 100k of coverage, plus 20k for contents.
Never flooded even for Juan.
Premium is about 350 to 400 a year for 100k of coverage, plus 20k for contents.
Posted on 1/10/20 at 7:43 pm to OysterPoBoy
quote:
Usually A means always floods and C means could flood. That’s not 100% the same everywhere but it’s a good rule of thumb.
The answer above is wrong on every level, not a good rule about anything.
B, C and X are preferred zones with standard rates and no elevation certificate required.
A zone requires an elevation certificate and your house’s lowest floor is judged versus the base flood elevation to get your rate. Depending on your relative height an A zone house can pay more or less. An A zone house at base flood pays the A zone base rate, +1 foot pays less, +2 feet pays less and so on. You can pay less than B, C and X rates if your house is high enough too.
For instance, if A zone +2, you could pay $300 versus A (0) paying $1200 (and X zone rates are $450) you’ll spend $9,000 more over 10 years for the A zone house at base flood than if you built the same house higher. Building higher saves you money. Most people don’t realize this, like the person who wrote this dumb response, so the marginal cost to build your house 6+ inches higher will save you a lot over time if you're in a A zone.
Also, NFIP can raise or lower the base flood elevation in your neighborhood and that change saves/costs you money. I live in East Jefferson and the flood control improvements allowed NFIP to lower base flood, so effectively the entire neighborhood was elevated +1 foot because of the flood improvements and my and my neighbors’ premium went down.
We built five years ago in an A zone to +2 elevation and we are now +3 because NFIP changed the map. I’ve always paid less than an X zone rate.
This post was edited on 1/10/20 at 7:55 pm
Posted on 1/10/20 at 8:33 pm to white perch
C is better than A. A depends on the base flood elevation.
Avoid AE like the plague, that is about $4400 a year.
Avoid AE like the plague, that is about $4400 a year.
Posted on 1/10/20 at 8:43 pm to TDsngumbo
quote:
A is much worse than C, which is worse than X, which is considered “low risk”.
Lots of C zones flooded in 2016. Personally I would only buy in an X zone.
Posted on 1/10/20 at 9:39 pm to Jim Rockford
quote:
Lots of C zones flooded in 2016. Personally I would only buy in an X zone.
I am in A and didnn't get any water in the yard at all. My flood insurance runs about $600 per year, but my home is 4 feet off of the ground. It is kind of weird how so many in C actually flooded.
Posted on 1/10/20 at 10:16 pm to LSUSkip
quote:Wrong. My last house was AE and i was paying $500 because the house was 3 feet above the base flood elevation. Your rate in AE depends on elevation of the house vs the area’s base flood elevation according to FEMA flood maps
Avoid AE like the plague, that is about $4400 a year.
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