If you need to remove your property/structure from the SFHA, contact the FEMA mapping and insurance. For the average homeowner , the cost is minimal. If FILL is used, you will pay a little more because the time it takes to process those types of applications. You can do this process yourself. There are a few documents you need to submit along with the application along with an EC if you have one.....
Great video!! You guys mention the term Berm, or BRM often which I think means to build up the sides of the land to prevent flooding or redirect flood areas? What is this term? How do you spell it?
Roads and Bridges know. Clogged drains can hold back a deluge of water and be opened for showtime when advised by "administrators" after all the pieces are in play.
Hello, suppose a part of a property is within Flood Zone. But, the other portion of the property is not in Flood Zone, meaning it's above the BFE. Would a house that's not in the flood zone still be required (by a lender, for instance) to have flood insurance?
if part of the structure is in the sfha, you lender will still require flood insurance. When you apply for a loma you will have 3 options to choose from, the entire property, structure only or metes and bound which means a portion of the structure
@micheleindc thanks. What if a portion of the land has flood zone, but no part of the house is in the flood zone? Most lenders would still require flood insurance ?
We own 5 acres and built our house 35 years ago. About 4 years ago we were notified that part of our house is sitting in a flood zone. Our next door neighbor's house was also put in a flood zone. He still had a mortgage and paid $700 to have it changed. I elected not to do it at this time. If you could see our property you would see how ridiculous it is. Thanks for the video.
I need to get rid of the FEMA flood policy on my mortgage the cost keeps going and keeps raising my mortgage every year, the flood map only shows my property the one next door and the vacant lot across the street being in a flood zone even though other properties on my block eve ones next door are at the same elevation as mine
in order to be removed from the SFHA, your LLE or LAG has to be at or above the BFE. Flood zone does not matter. FEMA looks at your elevations. Your lender will accept the determination letter stating removal or out as shown. You can still be in a SFHA with that outocme
@@Retipster I agree if it is NOT in a flood zone to start with. But surely if it IS in a flood zone, how can you legally change it? I live in Brisbane Australia which has had a few major floods (1974, 2011, 2022) and there is a City Council website where you can search to see if your property is in a flood zone. You can also overlay how your street was affected in 1974 flood, the 2011 flood and the 2022 flood. There is nothing subjective about what the flood maps show, it's all based on actual data and I would imagine there is no way one could change the status of the flood affected property.
Its called a letter of map amendment for that structure. You’re not changing the schedule actual fema base flood map. You’re just amending jt locally via a flood study. I’m a civil engineer and we do this all the time. You are 100% incorrect.
@@andrewwilson6990I’m trying to find information on how to re zone my property back to its original zone X. I purchased my home in Dec 2018 and when I purchased my home, I was in zone X. Literally 6 months later FEMA re zone my home to zone AE and because of that, my mortgage company now requires that I have flood insurance. Any info on how to go about having my home re zoned back to zone X? I’ve noticed a few homes in my subdivision have their zones amended but those homes seem to be owned by rental companies.
If you need to remove your property/structure from the SFHA, contact the FEMA mapping and insurance. For the average homeowner , the cost is minimal. If FILL is used, you will pay a little more because the time it takes to process those types of applications. You can do this process yourself. There are a few documents you need to submit along with the application along with an EC if you have one.....
Great info. Thanks for sharing!
Great video, thank you!
Thanks for watching!
Excellent info guys.
Thanks for sharing.
Can he do a review on properties in Australia?
Thanks for watching! Good question... I couldn't say for sure, but you could shoot them an email, and they could let you know pretty quickly.
Great video!! You guys mention the term Berm, or BRM often which I think means to build up the sides of the land to prevent flooding or redirect flood areas? What is this term? How do you spell it?
I think maybe "earth berm" is the term you're looking for?
Roads and Bridges know. Clogged drains can hold back a deluge of water and be opened for showtime when advised by "administrators" after all the pieces are in play.
Hello, suppose a part of a property is within Flood Zone. But, the other portion of the property is not in Flood Zone, meaning it's above the BFE. Would a house that's not in the flood zone still be required (by a lender, for instance) to have flood insurance?
if part of the structure is in the sfha, you lender will still require flood insurance. When you apply for a loma you will have 3 options to choose from, the entire property, structure only or metes and bound which means a portion of the structure
@micheleindc thanks. What if a portion of the land has flood zone, but no part of the house is in the flood zone? Most lenders would still require flood insurance ?
Question who do I contact,?
We own 5 acres and built our house 35 years ago. About 4 years ago we were notified that part of our house is sitting in a flood zone. Our next door neighbor's house was also put in a flood zone. He still had a mortgage and paid $700 to have it changed. I elected not to do it at this time. If you could see our property you would see how ridiculous it is. Thanks for the video.
Oh man, I'm sorry to hear that. Maybe it's worth trying to get that changed?
Hi how could we contact you?
Check out their website at nationalfloodexperts.com
I need to get rid of the FEMA flood policy on my mortgage the cost keeps going and keeps raising my mortgage every year, the flood map only shows my property the one next door and the vacant lot across the street being in a flood zone even though other properties on my block eve ones next door are at the same elevation as mine
in order to be removed from the SFHA, your LLE or LAG has to be at or above the BFE. Flood zone does not matter. FEMA looks at your elevations. Your lender will accept the determination letter stating removal or out as shown. You can still be in a SFHA with that outocme
It doesn't sound very ethical when it comes to selling your house in a flood-zone to another buyer.
If it's legitimately not in a flood zone when you sell it, how is it unethical? What do you think is the right thing to do?
@@Retipster I agree if it is NOT in a flood zone to start with. But surely if it IS in a flood zone, how can you legally change it? I live in Brisbane Australia which has had a few major floods (1974, 2011, 2022) and there is a City Council website where you can search to see if your property is in a flood zone. You can also overlay how your street was affected in 1974 flood, the 2011 flood and the 2022 flood. There is nothing subjective about what the flood maps show, it's all based on actual data and I would imagine there is no way one could change the status of the flood affected property.
LOMAR? LOMA? You can not just remove a property from a flood zone. Federally backed loans must be covered by flood insurance.
Its called a letter of map amendment for that structure. You’re not changing the schedule actual fema base flood map. You’re just amending jt locally via a flood study. I’m a civil engineer and we do this all the time. You are 100% incorrect.
I spent 8 years with region 4 mitigation officials directly on CFR44 and Minimum NFIP @@andrewwilson6990
@@andrewwilson6990I’m trying to find information on how to re zone my property back to its original zone X. I purchased my home in Dec 2018 and when I purchased my home, I was in zone X. Literally 6 months later FEMA re zone my home to zone AE and because of that, my mortgage company now requires that I have flood insurance. Any info on how to go about having my home re zoned back to zone X? I’ve noticed a few homes in my subdivision have their zones amended but those homes seem to be owned by rental companies.
@@andrewwilson6990I rebuilt my shop in the floodzone can I use flood cents
Can you provide me with this company's contact info please.. thank you!
Hi John, you can find them here: nationalfloodexperts.com/
Thank you!
National flood expert Tampa
This is why you need a licensed surveyor.
What his e mail two get in touch with these guy
info@nationalfloodexperts.com