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Flooded Home Protection
Thinking of buying a flooded home? Three-quarters of the 204,000 homes and apartments in Harris County damaged by Hurricane Harvey were outside the 100-year flood plain, so many homeowners were unaware of the risks.
- Was the home flooded more than once?
- Was the home only flooded in Harvey?
- Was the reservoir release responsible for flooding?
At one time the Houston MLS (HAR.com) enabled a category for flooding. The data was voluntary and was removed later after complaints. So what do you do?
Get the disclosure statement. I recommend the 4-page disclosure. It is a crime for a seller to omit or line on a disclosure. So ask your realtor for a disclosure!
Flood insurance is reasonable if you are not in the 100-year flood zone or floodway. Consider flood insurance. There is now private flood insurance that is many times less than the FEMA program.
The bottom line, do your diligence.
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