Skip to content
BOL Conferences
Thread Options
#1412385 - 07/07/10 04:00 PM Flood (Self) Determination
M Cockrell Offline
Diamond Poster
M Cockrell
Joined: Jan 2003
Posts: 1,046
Dallas, TX
I've searched & been unsuccessful (my search criteria may be off the mark crazy ).

I'm looking for the website (FEMA, maybe), where I can enter an address & get (at least) an approximation of whether a particular property is in a flood zone.

It was recently remapped & our flood company says it's now in a flood zone, but the customer's agent says it's not. My initial thought is the agent is NOT using the updated map, but I'd like to independently verify it one way or the other.

Thanks in advance.
_________________________
"Remember no man is a failure who has friends." - Clarence (the Angel) Oddbody - It's a Wonderful Life

Return to Top
Lending Compliance
#1412399 - 07/07/10 04:16 PM Re: Flood (Self) Determination M Cockrell
Cowboys Fan Online
Power Poster
Joined: Dec 2002
Posts: 4,615
SC
_________________________

Return to Top
#1412403 - 07/07/10 04:18 PM Re: Flood (Self) Determination Cowboys Fan
M Cockrell Offline
Diamond Poster
M Cockrell
Joined: Jan 2003
Posts: 1,046
Dallas, TX
Yeah, that's where I was, but the search results come back: "Map search was unable to find the location you requested. You may be able to find the requested map product through our Product Catalog. This is a result of recent revisions and/or timing issues which caused a delay in the data being available in Map Search. If you have questions or need further assistance contact our Customer Service Department at (877) 336-2627."

If I call the CS Dept, will they verify the zone?
_________________________
"Remember no man is a failure who has friends." - Clarence (the Angel) Oddbody - It's a Wonderful Life

Return to Top
#1412410 - 07/07/10 04:24 PM Re: Flood (Self) Determination M Cockrell
#Just Jay Offline
10K Club
#Just Jay
Joined: Oct 2006
Posts: 14,390
Cheeseheadland
Also, does the county have aerial maps with flood overlays that have been recently updated?? Sometimes I find these are much better than the FEMA photos at determining the location of properties and structures in a flood zone, pending the overlays have been updated (which your county should be able to verify for you).
_________________________
I don't repeat gossip, so listen closely...

Return to Top
#1412413 - 07/07/10 04:25 PM Re: Flood (Self) Determination #Just Jay
M Cockrell Offline
Diamond Poster
M Cockrell
Joined: Jan 2003
Posts: 1,046
Dallas, TX
Are you talking about the Central Appraisal District maps?

If not, to what were you referring?
_________________________
"Remember no man is a failure who has friends." - Clarence (the Angel) Oddbody - It's a Wonderful Life

Return to Top
#1412414 - 07/07/10 04:25 PM Re: Flood (Self) Determination M Cockrell
Cowboys Fan Online
Power Poster
Joined: Dec 2002
Posts: 4,615
SC
No idea - I've never called but I guess it would be worth a try.
_________________________

Return to Top
#1412462 - 07/07/10 05:26 PM Re: Flood (Self) Determination Cowboys Fan
RR Joker Offline
10K Club
RR Joker
Joined: Nov 2002
Posts: 20,654
The Swamp
I use google/yahoo, etc, to find the property. Then I go to FEMA and the index for that community...find the location, then find that map # the property is actually located in and review it.
_________________________
My opinion only. Not legal advice.

Say you'll haunt me - Stone Sour

Return to Top
#1412694 - 07/07/10 11:33 PM Re: Flood (Self) Determination RR Joker
rlcarey Online
10K Club
rlcarey
Joined: Jul 2001
Posts: 83,219
Galveston, TX
"It was recently remapped & our flood company says it's now in a flood zone, "

Then you have the current map number on the FHD - pull that map and see if the property is on it.....
_________________________
The opinions expressed here should not be construed to be those of my employer: PPDocs.com

Return to Top
#1413107 - 07/08/10 08:47 PM Re: Flood (Self) Determination rlcarey
M Cockrell Offline
Diamond Poster
M Cockrell
Joined: Jan 2003
Posts: 1,046
Dallas, TX
I hate to sound stupid, but...

exactly how & where do I "pull that map?"
_________________________
"Remember no man is a failure who has friends." - Clarence (the Angel) Oddbody - It's a Wonderful Life

Return to Top
#1413109 - 07/08/10 08:48 PM Re: Flood (Self) Determination M Cockrell
Skittles Offline
10K Club
Skittles
Joined: Sep 2002
Posts: 13,965
TN
www.fema.gov

You can go into flood maps and enter the map and panel ID.
_________________________
My Opinions Only

Return to Top
#1413125 - 07/08/10 09:03 PM Re: Flood (Self) Determination Skittles
M Cockrell Offline
Diamond Poster
M Cockrell
Joined: Jan 2003
Posts: 1,046
Dallas, TX
Okay. Two more things:

1. I didn't realize you could inquire by map/panel number. Thank you.

2. What does it mean when you're getting the following error message? "No panel was found. The panel for which you are searching may have been assigned a new ID#. Please contact Customer Service at (877) 336-2627 for more information."

Does it mean my determination company is making things up???
_________________________
"Remember no man is a failure who has friends." - Clarence (the Angel) Oddbody - It's a Wonderful Life

Return to Top
#1413136 - 07/08/10 09:19 PM Re: Flood (Self) Determination M Cockrell
Skittles Offline
10K Club
Skittles
Joined: Sep 2002
Posts: 13,965
TN
It means the map has probably been updated since that panel was originated.

Go to the address part of that section and pull the current map panel ID number.
_________________________
My Opinions Only

Return to Top
#1413183 - 07/09/10 01:28 AM Re: Flood (Self) Determination Skittles
rlcarey Online
10K Club
rlcarey
Joined: Jul 2001
Posts: 83,219
Galveston, TX
You can also go here and search current and old maps based on the community through the drop down menus.

http://msc.fema.gov/webapp/wcs/stores/se...&userType=G
_________________________
The opinions expressed here should not be construed to be those of my employer: PPDocs.com

Return to Top
#1413597 - 07/09/10 08:06 PM Re: Flood (Self) Determination Skittles
M Cockrell Offline
Diamond Poster
M Cockrell
Joined: Jan 2003
Posts: 1,046
Dallas, TX
Or, it means...

user error.

Apparently, when entering the map/panel number, FEMA doesn't expect the user to input the hyphen.

Heh, heh. blush
_________________________
"Remember no man is a failure who has friends." - Clarence (the Angel) Oddbody - It's a Wonderful Life

Return to Top
#1415632 - 07/15/10 07:44 PM Re: Flood (Self) Determination M Cockrell
Tillie Offline
Gold Star
Tillie
Joined: Apr 2003
Posts: 266
When the insurance agent comes up with a different flood zone, I ask the agent to send me a copy of his determination.
You can then tell if they are using the most current flood map and which map they are using.
Live and learn!

Return to Top
#1415653 - 07/15/10 07:54 PM Re: Flood (Self) Determination Tillie
M Cockrell Offline
Diamond Poster
M Cockrell
Joined: Jan 2003
Posts: 1,046
Dallas, TX
Well, this has been a fun experience.

The maps I've checked places the property one place (away from water), but the flood determination company places it on a small penisula, right on the water.

We communicated to the customer we would force place if he (and/or his agent) didn't provide evidence that he was NOT in a flood zone.

The interesting thing is the property was recently re-mapped into a flood zone. I find it difficult to believe a property sitting at the tip of a penisula would not have already been mapped as being in a flood zone.
_________________________
"Remember no man is a failure who has friends." - Clarence (the Angel) Oddbody - It's a Wonderful Life

Return to Top

Moderator:  Andy_Z