Quote:
Originally Posted by ragincajun
Zone X is the perferred zone. Means you are outside of the 500 year floodplain. Basically you won't flood.
Zone A means you are in a flood zone and there is no base flood elevation set.
Zone AESpecial Flood Hazard Area, within 100 yr floodplain, Detailed study by FEMA, BFE determined by FEMA
Other A zones like AE and AH mean that you are in a flood zone but FEMA has set base flood elevations for that area. For example if the area is in Zone AE and the flood elevation is 25' you are required to build the slab to 26' and all mechincal equiptment (AC unit etc.) should be at this elevation or above.
I honestly don't know what they do for Zone A where they don't have one set.
http://maps.lsuagcenter.com/la_floodmaps/?FIPS=0 |
I hope you are not a P/C insurance agent because you just committed malpractice if you are. I can show you pictures of a subdivision in Youngsville La that was located in flood zone X that had water up to the bottom of the windows in 2001. Preferred risk in no way means it will never flood, FEMA has figures that show there are plenty of houses in x that flood annually.
Get cert on house, it is transferable to the new buyer. Make sure you deal with an agent that knows what he/she is doing and expect there to be increases periodically.