Contact Us 314.727.6000
Navigation

 

  • Home
  • Get A Quote
    • Annuities
    • Automobile
    • Bonds
    • Dental
    • Earthquake
    • Flood
    • Health
    • HomeownersImage of right arrow
      • Homeowners Insurance Quote
      • Manufactured Home Quote
      • Renters Quote Form
      • Flood Quote Form
    • Life
    • Motorcycle
    • Recreational Vehicle
    • Renters
    • Vision
    • Watercraft & Boat
  • Customer Service
    • AutomobileImage of right arrow
      • Add Vehicle to Existing Auto Policy
      • Remove Vehicle from Existing Auto Policy
      • Add Driver to Existing Auto Policy
      • Remove Driver from Existing Auto Policy
      • ID Cards
      • Add a vehicle
      • Remove vehicle from policy
      • Add driver to policy
      • Remove driver from policy
    • Other
    • Recreational Vehicle
  • Claims
    • Automobile
  • Blog
  • Make a Payment
  • Resources
    • Refer a Friend
    • Important Links
    • Calculators
    • Insurance Glossary
  • About Us
    • About Flanigan Insurance Agency Inc
    • Location Map
    • Employee Directory
    • Privacy Policy
  • Contact
    • Contact Us
  AUTOMOBILE   HOMEOWNERS   LIFE & HEALTH   SPECIALTY  

Home > Blog > Newly mapped into a flood zone
SUNDAY, SEPTEMBER 17, 2017

Newly mapped into a flood zone

In all the years you have lived in your home it has never been flooded, now you are told you are recently mapped into a flood zone, typically A or AE zone, now what?   First the reason you may be recently mapped into a flood zone is all the new building upstream or downstream of your homes location.  For example, when the home was initially built upstream of your creek may have been farm land, now there are perhaps a multiple roof tops, driveways, subdivision roads, driveways, patios, parking lots from near by stores.  Well guess where all that rainwater now flows?  It will find it's way to creek or storm drain leading to creek rather than settling into the earth in the old farmland.  

This means your once very safe, from flood, home is now no longer properly elevated.  If you are recently mapped into a flood zone the only way to dispute would be to obtain a flood elevation certificate from a survey company, this may cost $500-$600.  An elevation certificate pin-points EXACTLY how high the top of your attached garage floor or house floor is from the nearby threatening water source, creek.  The elevation certificate can be 6 pages with a dozen or so precise readings required for the flood quote process.  I have seen some recently mapped homes proven to be just outside the flood zones, if that is the case, I would suggest taking out SOME flood protection.  If you are outside the flood zones you will NOT be mandated to have flood insurance; however, in Saint Louis we have had 1 day rain events leaving 5" of water and 3 day rain events leaving behind 11 inches.  All it takes is one more 1/2 day of rain and your home could be in for major cleanup and damage.  They don't call heavy rain storms flash floods for nothing!

The average flood claim is $33,000 and 20-25% of all flood claims come from homes located just "outside" A or AE zone.

They say 1" of rain in home can cause $25,000 damage to your home.

If you are located outside flood zone A or AE, in zone X, a basic policy can cost $300 a year and their maximum policy about $500 a year.  

To learn more please contact the Flanigan Insurance Agency @ 314-727-6000.  

 

 

 

 

Posted 12:01 PM

Tags: flood insurance, newly mapped, missouri flood insurance, st.louis flood insurance, elevation certificate, flanigan insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This and all content is developed from sources believed to be providing accurate information. The information in this material is not intended to be used as tax or legal advice. Please consult with a tax and/or legal professional for detailed information regarding your individual situation. Some of this material was developed and shared by Flanigan Insurance Agency Inc to provide information that may be of interest. Flanigan Insurance Agency Inc is not affiliated with the named representative, broker-dealer, state- or SEC-registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security.
Blog Archive
  • 2023
  • 2022
  • 2021
  • 2020
  • 2019
  • 2018
  • 2017
  • 2016
  • 2015
  • 2014

  • insurance(26)
  • missouri(19)
  • auto insurance(10)
  • homeowner insurance(9)
  • missouri insurance(6)
  • earthquake(5)
  • towing(5)
  • flood(5)
  • home insurance(5)
  • claims(5)
  • flood insurance(5)
  • flanigan insurance(4)
  • aca(4)
  • golf cart(3)
  • atv(3)
  • roadside assistance(3)
  • missouri flood insurance(3)
  • motorcycles(2)
  • uninsured motorist(2)
  • rental car(2)
  • flood insurance facts(2)
  • umbrella(2)
  • homeowners(2)
  • homeowner claim(2)
  • auto claim(2)
  • roadside(2)
  • missouri car insurance(2)
  • elevation certificate(2)
  • st.louis flood insurance(2)
  • missouri auto insurance(2)
  • newly mapped(2)
  • loss assessment(2)
  • underinsured motorist(2)
  • claim(2)
  • comprehensive(2)
  • rental property insurance(2)
  • roof(2)
  • scooter(2)
  • loss of use(2)
  • car insurance(2)
  • renters insurance(2)
  • missouri health insurance(2)
  • sewer back up(2)
  • open enrollment period(1)
  • auto accident(1)
  • auto liability(1)
  • guaranteed investment(1)
  • hail(1)
  • term life insurance(1)
  • limits of protection(1)

View Mobile Version




 
Our Carriers Our Company Services Contact Us More Help
Safeco
Progressive

Stillwater
Anthem BCBS
United Health One
Home
Who We Are
Customer Service
Get A Quote
Insurance Types
Send A Message
Location
File a Claim
Frequently Asked Questions
GET SOCIAL WITH US Facebook LinkedIn Google+
13422 Clayton Rd., Suite 203 | St Louis, MO 63131 | Ph: 314-727-6000 | Fx: 314-727-6027 Powered by Insurance Website Builder

Make a Payment Refer A Friend Our Partners Get A Quote