Why Flood Research Matters in Houston
Houston is a flat city crossed by bayous, and heavy rain events can cause flooding. Hurricane Harvey in 2017 reminded the whole region how important it is to understand a property's flood risk before buying.
Start With the Flood Zone
FEMA publishes flood maps that show high risk areas. A property in a Special Flood Hazard Area generally requires flood insurance if you have a federally backed mortgage. But a property outside a mapped flood zone can still flood, so the map is only a starting point.
Ask About Flood History
Texas law requires sellers to disclose flooding information on the seller's disclosure notice, including past flooding and whether the property is in a flood zone or has had flood insurance claims. Read it carefully and ask follow up questions. Talk to neighbors, and look at how the home sits compared with the street.
Consider an Elevation Certificate
An elevation certificate documents the elevation of the building relative to the base flood level. It can help an insurance agent give you an accurate quote and tells you more about the home's real risk.
Get Insurance Quotes Early
Standard homeowners insurance does not cover flood damage. Flood insurance is purchased separately through the National Flood Insurance Program or private insurers, and there is usually a waiting period before coverage begins. Get quotes during your option period so you know the full cost of ownership.
Work With People Who Know the Area
A local agent will know which neighborhoods have been affected by past storms, what flood mitigation has been done, and who to ask for more information. Call Summit Realty & Associates at (713) 545-3936 if you would like help researching a property.
