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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]The rating is for the entire property (and over the long term so it may be a risk estimated over the next 30 years). Older builders were not idiots and typically built on the highest elevation part of any parcel. So your house may be fine while an edge of the property may get water and it will still have a flood warning. If that is the case you can just explain when selling. You can get a land survey and argue with the rater for an adjustment but I don't know how effective that is. [/quote]

Friends of mine bought a home way up on a hill. Because a corner of their large lot is in a flood prone area they get rated as having a high flood risk even though there would have to be biblical levels of rain to begin to reach them.

Any remotely intelligent buyer/agent will be able to read in the listing description that the flood rating covers the parcel and see the house is built up higher.

For my friends’ house, I think the steep driveway would be more of a turnoff for buyers than the flood rating.[/quote]

But depending on the type of soil, if the corner of their property floods, it might lead to slope instability which would impact the house. It's not just about "is my house higher than the flood?"[/quote]

But that’s not a flood.

Look, OP, there’s a lot of bad information on this thread.  It’s not complicated to read up on your own and there’s a lot of information.  NFIP and FEMA have a lot of useful info.  I wouldn’t give first street much concern unless some actuary or underwriter somewhere cares about it. [/quote]

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