#Flood factor free#

It was about a quarter of a mile from a small river that was normally about 20 feet wide and and six feet deep. When I bought my first house I checked and it was outside the zone where flood insurance was required. The nearest flood zone is 1/3 mile away, adjacent to a creek. The house is not a FEMA flood zone ('minimal risk'). IMHO: with a 50% chance of flooding and 98% in 30 years, I would also hesitate as you are, likely not buy. Fortunately, we were able to put measures in place to prevent damage and enable permanent flood control measures over our entire property which was very costly.ģ. 3 years after we moved in, there was that '100 year flood'. Why? In our area, there was a risk of a '100 year flood' due to monsoon rains overflowing a large stream on our property, 600 yards from our home, and also flooding from flow from the mountains and hills above us. In our case, we were not able to get flood insurance. Give a flood insurance company a call with that address and flood rating and see if they even will cover it.Ģ. Homeowners insurance is separate from flood insurance, and some homeowner's policies don't have that option. How would you incorporate this flood data into your decision making?ġ. We can still walk without losing our deposit. They estimate a 50% chance of flooding in 10 years and 98% chance in 30 years.ĭW already has cold feet because the inspection revealed many fixable defects, which the seller has agreed to fix. However, the website rates this house at a 7/10 flooding risk, 1 being the lowest. For me, BeSpacific is one of my daily must-reads and has been for 14 years straight.Despite this strong sellers' real estate market, DW and I are under contract to purchase a new house. She posts multiple items every day, covering the gamut of law, technology and knowledge discovery and topics ranging from cybersecurity to legal research to government regulation to civil liberties to IP and more. “Launched in 2002, BeSpacific is one of the longest-running legal blogs and, remarkably, Sabrina seems more prolific today than ever.

Flood Factor also includes flood risk from urban stormwater flooding, storm surge and future conditions like sea level rise…”īeSpacific: “No one better has her finger on the pulse of the legal information world than Sabrina Pacifici, law librarian and author of the blog BeSpacific,” writes blogger Robert Ambrogi. Flood Factor’s national flood model shows that flood risk is more widespread in the United States, with over 25 million properties at risk over the next 30 years. FEMA flood maps identify over 1.1 million miles of flood hazard areas, and while the maps can provide detailed information for homeowners on their flood risks, they are not available everywhere. Flood risk was largely defined by the Federal Emergency Management Agency (FEMA) flood maps, which are used to define mortgage risks, set insurance rates, and establish building and land use regulations. Finding a home’s flood history could be difficult, as flood disclosure laws vary by state, and individual flood insurance claims are protected by privacy laws. Before Flood Factor, many Americans had limited options to find a home’s flood risk, and no way to determine how that risk would change over the duration of their home ownership.

Flooding is the most expensive, natural disaster in the United States, costing over $1 trillion in inflation adjusted dollars since 1980. There is a growing need for flood risk data. By making flood risk data freely available for all, individuals and communities can prepare for and mitigate risks before they become a reality. First Street Foundation aims to quantify and communicate America’s flood risk. Flood Factor was created to make the most cutting edge flood science.

#Flood factor free#

“ Flood Factor is a free online tool created by the nonprofit First Street Foundation that makes it easy for Americans to find their property’s risk of flooding and understand how flood risks are changing because of a changing environment.