![遇事学事3:如何查一个房产是不是在 Flood Zone](https://imgcache.dealmoon.com/thumbimg.dealmoon.com/dealmoon/38d/e94/cd3/4660760bf13cbc89d6eabae.jpg_1280_1280_3_2bd0.jpg)
2020 庚子年注定是一个不能忘却的一年,发生了太多太多让人意想不到的大事件。
从年初的新冠病毒大流行、中国长江流域的大洪水、美国西海岸北加3州的大山火、中美关系的紧张升级、美国总统大选等等等等,让人们的心紧绷着,就像坐翻滚过山车随着股市大起大落!
在给客户查找房源时,1020 Ivy Street, Cumming, GA 30041(FMLS #: 6773447).
看到Listing Agent 留言:
Please research flood zones. This one is a 1% chance of flooding each year. The home is on a slab. No basement to flood. Seller's current flood insurance costs $250/year.
联想到今年6月汛期发生在长江流域的大洪水,不由得留神起来。
什么是Flood Zone?怎么查一个地区/房产是不是在 Flood Zone?
Flood Zone洪水区是FEMA根据洪水风险的不同级别定义的地理区域。 描绘了这些区域在社区的洪水保险费率地图(FIRM)上。 每个区域反映该地区的洪水严重程度或类型。 对于有关FEMA洪水保险计划的更多信息,请访问FEMA网站:
www.fema.gov。
当我在Property Details 上搜索Flood Zone,我看到下面:
![FloodZone_01.jpg](https://imgcache.dealmoon.com/thumbimg.dealmoon.com/dealmoon/cba/47a/318/a3fac6ac52daeca38bdd276.jpg_1080_0_40_13f1.jpg)
当我打开Flood Map, 我看见房子那里有一条流水小溪,还有一些标识,如:A,AE,X等,这些英文字都表示什么意思?
![FloodZone_02.jpg](https://imgcache.dealmoon.com/thumbimg.dealmoon.com/dealmoon/de1/584/2f8/63461c6b203f86d199dbb48.jpg_1080_0_40_1e88.jpg)
原来X,Areas of minimal flood hazard determined to be outside the 500-year flood plain. 换句话说:我们可以把“ X”视为不需要关注的区域。
A,Areas with a 1% annual chance of flooding and a 26% chance of flooding over the life of a 30-year mortgage. Base flood elevations (BFE) are not available for these zones.
每年发生洪水的可能性为1%,在30年抵押期内,发生洪水的可能性为26%。 这些地区无法使用基本洪水高度(BFE)。
AE,Areas with a 1% annual chance of flooding and a 26% chance of flooding over the life of a 30-year mortgage. Base flood elevations (BFE) and flood hazard factors are determined.
AE,每年发生洪水的可能性为1%,在30年的抵押期间内发生洪水的可能性为26%。 确定了基本洪水高度(BFE)和洪水危害因素。
换句话说:A / AE是需要提请你注意,每年发生洪水的可能性为1%,物业地段和洪水区域是如此接近物业线的边缘,甚至可能在小溪区域的一部分,这要实去地考察。如果房产建在高坡上,与小溪边缘的落差很大,那就不会对该房产产生不利的影响。
还有很多划分,就不一一赘述了,详见下表:
https://www.sagis.org/Content/floodzonedefinitions.pdf
![FloodZone_03.jpg](https://imgcache.dealmoon.com/thumbimg.dealmoon.com/dealmoon/2a5/365/379/668dbee6c69ddcda9e32267.jpg_1080_0_40_1bf1.jpg)
哦,我查的这些数据是在我们房地产经纪人用的专业网站FMLS Matrix 上,对于不是经纪人的你,可以在下面的网页上用房产地址查询:
Please use FEMA Flood Map Service Center:
Search By Address: 1020 Ivy Street, Cumming, Georgia 30041.
https://msc.fema.gov/portal/home
![FloodZone_04.jpg](https://imgcache.dealmoon.com/thumbimg.dealmoon.com/dealmoon/c87/1a3/f19/808e22b6d94b962d608cedf.jpg_1080_0_40_5f41.jpg)
![FloodZone_05.jpg](https://imgcache.dealmoon.com/thumbimg.dealmoon.com/dealmoon/68b/60c/9ca/345a9d5b149e4a8d1fdbd05.jpg_1080_0_40_6810.jpg)
通过这一查找、研究,这真是又一个“遇事学事”,怎么查一个地区/房产是不是在 Flood Zone 上,愿意和大家分享。😀
![FloodZone_06.jpg](https://imgcache.dealmoon.com/thumbimg.dealmoon.com/dealmoon/0bc/af2/b5d/e22cc4a982b81d8cdfe7ae4.jpg_1080_0_40_772b.jpg)
![FloodZone_07.jpg](https://imgcache.dealmoon.com/thumbimg.dealmoon.com/dealmoon/ec0/862/496/b7c5762001d9f09acfa60c9.jpg_1080_0_40_5170.jpg)
![FloodZone_08.jpg](https://imgcache.dealmoon.com/thumbimg.dealmoon.com/dealmoon/4ce/cba/bfb/2565cb3de1b1cfa43e82f24.jpg_1080_0_40_8210.jpg)
![FloodZone_09.jpg](https://imgcache.dealmoon.com/thumbimg.dealmoon.com/dealmoon/186/305/1d8/d718f94f7b2f1a31dc72581.jpg_1080_0_40_9e0f.jpg)
![FloodZone_10.jpg](https://imgcache.dealmoon.com/thumbimg.dealmoon.com/dealmoon/b20/008/c81/66e9e83071bbaf3699e5f14.jpg_1080_0_40_5838.jpg)
![FloodZone_11.jpg](https://imgcache.dealmoon.com/thumbimg.dealmoon.com/dealmoon/0d3/a14/682/e1801df4698c21fe5408b19.jpg_1080_0_40_eb8a.jpg)
![FloodZone_12.jpg](https://imgcache.dealmoon.com/thumbimg.dealmoon.com/dealmoon/2c8/467/f2d/9894df9ae12b35200a74cf6.jpg_1080_0_40_1aa2.jpg)
![FloodZone_13.jpg](https://imgcache.dealmoon.com/thumbimg.dealmoon.com/dealmoon/965/360/1fa/f4e53c0da8d789891db8bc3.jpg_1080_0_40_0ab6.jpg)
![FloodZone_14.jpg](https://imgcache.dealmoon.com/thumbimg.dealmoon.com/dealmoon/37b/ca3/b0c/16081a248aff9169bf2a5bc.jpg_1080_0_40_aba1.jpg)
![FloodZone_15.jpg](https://imgcache.dealmoon.com/thumbimg.dealmoon.com/dealmoon/04e/e68/cf6/a70f7c3730fa714531db3e8.jpg_1080_0_40_cc5f.jpg)
![FloodZone_16.jpg](https://imgcache.dealmoon.com/thumbimg.dealmoon.com/dealmoon/7e6/caa/1ab/b0837cfa8c3200c89610dd7.jpg_1080_0_40_c359.jpg)
祝大家重阳节快乐!
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本文作者:Willy Rong。
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