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Risk Factor Pro
Anyone heard of this before?
Holy Moly!!!!
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22 Replies
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Got a call about a house for sale.
Seems it difficult to sale cause of this:
Here is the same property with the FEMA flood zone turned on:
Notice anything?
I know how to remove a building from a FEMA flood zone when it clearly isn’t in one, but I have no idea how to remove it from a flood zone on a GIS crappy website someone cooked up.
The site declares that the property is in a 99% chance of flooding within 30 years, 97% chance in 15 years.
Good gawd, it’s hasn’t flooded since it was built in 2000, it doesn’t have much of any drainage, the divide the lil stream starts at is about 2 miles from the house and it’s very narrow. Totally bogus flood plain shown on the website.
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I have no idea how to remove it from a flood zone on a GIS crappy website someone cooked up.
Why would you need to?
This site doesn’t dictate the need for flood insurance, does it?
If your concern is; there’s a web site out there, providing bogus information, and your client isn’t able to sell their property because of it; they can take their case to the AG (or whom ever has the authority) and have the site taken down, no?
You’re welcome,
Dougie
I hope everyone has a great day; I know I will! -
I have no idea how to remove it from a flood zone on a GIS crappy website someone cooked up.
Why would you need to?
This site doesn’t dictate the need for flood insurance, does it?
If your concern is; there’s a web site out there, providing bogus information, and your client isn’t able to sell their property because of it; they can take their case to the AG (or whom ever has the authority) and have the site taken down, no?
You’re welcome,
Dougie
AG, State Board, Community Floodzone manager and probably an attorney.
This is a national site so expect to start seeing similar problems cropping up around the country.
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Surveyors will soon be singing this little song.
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Surveyors will soon be singing this little song.
There’s not anything for a surveyor to do.
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I went to the website and they state they have “experts”, “tops in the field”, to figure all this out across the country. A whole army of them (80).
So 80 “experts” have put together flood plains for the entire country.
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Sooner or later property owners should be looking for the “professionals” who their lenders trust to provide the correct information. That will be surveyors, for the most part.
Much like the early days of GIS when nearly every map was off by some amount. Enough to make people panic when they saw their garage on one neighbor and a different neighbor’s garage on their tract.
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@mightymoe LOL. Just looked at my house and I’ve got as 4/10 likelihood of being flooded by up to 0.6 feet of water despite being almost 20 feet above the BFE and being about 17 feet above a C.O.E. flowage easement that is 3 feet higher than the dam that created the lake. If I get 0.6 feet of water in my house, then there are much bigger problems with the world.
They also warn that I’m in a higher than average potential for heat issues in the coming years. I might have a week of 100+ degree days. While I don’t write it down on a calendar to keep track of, I’m pretty sure that is just called summer here.
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@mightymoe LOL. Just looked at my house and I’ve got as 4/10 likelihood of being flooded by up to 0.6 feet of water despite being almost 20 feet above the BFE and being about 17 feet above a C.O.E. flowage easement that is 3 feet higher than the dam that created the lake. If I get 0.6 feet of water in my house, then there are much bigger problems with the world.
They also warn that I’m in a higher than average potential for heat issues in the coming years. I might have a week of 100+ degree days. While I don’t write it down on a calendar to keep track of, I’m pretty sure that is just called summer here.
It’s a GIS nightmare. They even say about the house that it will be immersed in 2.8′ of water, then continue with an estimate of damages.
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Looked at my house on there. According to that site: Severe HEAT danger. Minimal WILDFIRE danger. No FLOOD danger.
I’m in Zone B, and in the new digital Flood mapping I’m down to a new Zone A.
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It appears that strongly worded email got the threat removed from the site.
Keep an eye out for similar situations.
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Inadequate storm sewers and catch basins back up quickly and cause local flooding in my neighborhood. It is accurate for my current and former houses even though they’re both not in a flood zone.
For what it’s worth, my homeowners insurance (USAA) was pushing the site pretty hard at one point since homeowners insurance doesn’t cover flood damage.
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A town 10 miles away as the crow flies has a river flood elevation of 888. I have a small area of flood zone on the back side of the property where I am located right now that is 100 feet higher than that. In this case, it’s a matter of the inflow being greater than the outflow for a period of time. If the river ever backs up to impact my place the Federal government better have an extra trillion dollars (or more) available to help those at lower elevations than me.
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Inadequate storm sewers and catch basins back up quickly and cause local flooding in my neighborhood. It is accurate for my current and former houses even though they’re both not in a flood zone.
For what it’s worth, my homeowners insurance (USAA) was pushing the site pretty hard at one point since homeowners insurance doesn’t cover flood damage.
My house sits near the bottom of a street that forms an ellipse shape. It’s not near any FEMA flood zones. If a huge storm happens to hit it’s possible the storm could surge down the street, overrun the storm sewer and I might have some issues with my basement and backyard.
It would need to be a large dump of rain or possibly a huge pile of snow then a hot melt. So I chatted with my insurer to figure out what flood protection would run. I thought a few dollars added to my coverage might be worth it. I decided I need to self-insure for it, almost $500 a month wasn’t worth it.
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Damn, boy. How can I become an insurance company? I want to be unbelievably rich by doing nothing.
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Something is wrong with that flood insurance quote. Should be a lot less than that if you’re not in a FEMA flood zone.
An insurance company should use the FEMA zone to set flood insurance premiums, since FEMA underwrites the coverage. The insurance company’s money is not at risk, and the Risk Factor information is irrelevant.
My sister lives in Houston. Her house is at about a 50-ft. elevation. No storm surge there, and no flood zone. But she narrowly escaped damage from flash flooding from the heavy rains during Hurricane Harvey. I recommended she get flood insurance, and she did. She says it runs about $50 a month.
FEMA has a banner up on their website that says flood insurance can cost “as little as $400 a year” (see attached file). Of course this would refer to areas outside flood zones.
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So 80 “experts” have put together flood plains for the entire country.
To be fair, that’s basically describing the team that wrote the flood mapping algorithms at the “large international engineering firm” that holds the FEMA flood mapping contract.
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What do Dairies and Government work, have in common?
I hope everyone has a great day; I know I will! -
@dougie
How are dairies and Government work exactly opposite?
At dairies, the $hit flows downhill. At Government work, the $hit rises to the top.
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