Nearly every year many homes are destroyed by horrendous floods. Throughout the United States there are several areas that are especially susceptible to flooding when frequent heavy rain occurs. If you are considering buying a new home, it may be a good idea to find out first if it is located in a flood zone. One way to do this is to have it professionally surveyed. When you have a flood certification survey performed on the property before you buy it, you will find out a lot of information that will be helpful in determining if you want to live there.
Flood Zone Areas
The survey will tell you which flood zone the home is located in. However, this does not mean that flooding will occur often. Flood zoning is done to determine which areas are more likely to have flooding during heavy rainfall.
Each flood zone is designated according to how the land is laid out, if there are existing waterways that tend to overflow and if the area has durable flood walls in existence. While the home may be in a flood zone, it can also be in a zone that has not had a history severe floods.
Flood Plain Areas
Flood plains are areas that are more prone to frequent flooding. If the home is located in a flood plain, you can expect some flooding to occur when it rains. In some flood plain areas, flooding may occur even during short-term rainfall. However, some may not flood unless there are several days of heavy rain.
Severity of Flooding
The flood certification survey will contain all the measurements of the property the home sits on. It will show you if certain areas of land are lower than others and if they are close to creeks or streams.
This information helps determine how easily flooding can occur. It also tells you how severe the flooding may be according to the layout of the land. This will give you an idea of whether or not water is likely to get inside the home should flooding occur.
Having a flood certification survey performed not only helps you know if the property your potential home is on is likely to flood. It also may have an effect on the mortgage you are approved for in order to buy the home. Many lenders require those who purchase homes in commonly flooded area to obtain flood insurance before they can be approved for a home loan. For more information, talk to a professional like DC Gohn Associates Inc Surveyors & Engineers.