LOCAL DUE DILIGENCE
Flood zone and evacuation zone: check both before buying
Two properties can look similar and have different risks. Start with the official maps for the exact address.
The maps answer different questions
Pinellas County explains that FEMA flood zones and hurricane evacuation zones measure different conditions. A property outside an evacuation zone may still be in a high-risk flood zone. Check both instead of using one as a substitute for the other.
Use the exact property address
The county's Flood Map Service Center provides access to flood-risk maps, FEMA flood zones, evacuation levels, and elevation-certificate information. Review the individual property rather than relying on a neighborhood description or a listing's short summary.
- Look up the address in the official flood maps.
- Check its hurricane evacuation level separately.
- Ask about available elevation certificates and relevant property records.
Bring the findings to the right professionals
Most homeowners policies do not cover flood damage. A licensed insurance agent can explain coverage options and provide property-specific quotes. Ask your lender which coverage requirements apply to your purchase.
Keep a list of unresolved questions for the seller, inspector, insurer, and lender. Joseph can help coordinate the information you need as you evaluate a home.
Use this as a starting point
Maps and requirements can change, and online tools are not a substitute for property-specific professional advice. Check the current official sources when considering a home.
Useful references
Make it specific to your search.
Tell Joseph what you're considering and which questions you'd like to work through.
Stofel & Associates Realty LLC
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