Once again, refer to your local insurance agent to make sure that your house is covered by a policy and that you are getting the best rate.Ĭheck out some of my listings at and call me to see what types of flood policies these homes qualify for.
![ae flood zone ae flood zone](https://dta0yqvfnusiq.cloudfront.net/betterflood/2020/12/TX-Grandfather-Ae-flood-zone-5fdb43da97b7a.jpg)
There are other variables that come in to play, such as how high the house is raised and what types of venting is used on the ground level. Therefore, as a general rule of thumb, homes closer to the seawall are going to have higher elevations and more favorable flood rates. The seawall is approximately 17 feet above sea level and the land slopes down gradually towards the bay side. While this may seem counter intuitive, it is a result of the seawall construction and grade raising in 1904. One thing that many residents and prospective buyers in Galveston may be unaware of is that the elevation is typically higher closer to the beach. Insurance agent to make sure that you are getting the best coverage.Īs a real estate agent in Galveston, the most common questions that I hear from buyers is “Has this house ever flooded?” or “What are the flood insurance rates on this house?” Most real estate professionals have become hyper aware of these concerns and typically have an answer prepared when showing a home or know where to find the answers. My go to resource for elevationĬertificates and surveys is Laurence Wall with Texas Land Title Surveyors. An elevation certificate is performedīy a surveyor and they cost around $300-$400. Having an elevationĬertificate may also help lock in your current rate and prevent annual rate While your property may be grandfathered in to a rate, you may beĮligible for better rates with an elevation certificate. Underwriters are relying even more on elevation certificates since the new mapsĬame out. Which shows the elevation of a home and other variables that determine your Insurance underwriters rely on an elevation certificate, If the bottom floor of your home is above the base flood elevation, your home Zone, and it means that the base elevation is high enough to make flooding aīase flood elevation is 10 feet and AE 12 indicates that the base floodĮlevation is 12 feet. Compared to other flood zones, which have a low or moderate risk of flooding, Zone VE is considered a high. Fast-moving or storm-induced waves of three feet or higher may accompany the base flood elevation.
![ae flood zone ae flood zone](https://i.ytimg.com/vi/xG4c-vOxrsU/hqdefault.jpg)
The most common zones in Galveston indicated on the flood Flood Zone VE is a label on a flood map for a coastal Special Flood Hazard Area (SFHA) that has a 1 annual chance of experiencing a flood. Click on the link below to view the new map: On AugFEMA released a new Galveston flood map that shapes the flood insurance policies and helps residents determine if they are in a low to moderate, or high risk flood zone.
![ae flood zone ae flood zone](https://i.ytimg.com/vi/vtOoU6_rBGE/hqdefault.jpg)
And just when we were all becoming vaguely familiar with flood insurance policies, FEMA changed the flood maps. Homeowners and potential buyers have become very mindful of flood risks and flood insurance costs associated with owning a home. In the aftermath of Hurricane Ike, the inherent risk of flooding on Galveston Island became very apparent.