The Top Five Special Flood Hazard Area Counties

If you are buying a home in certain U.S. states there is an extra factor to consider — other than if your ideal home hasl amenities like a backyard that’s great for barbecues, or a chef-ready kitchen. Especially if your home is near water, you’ll want to find out if your potential dream house is located in a flood hazard area county. If it is, then what does that mean? There are special purchase requirements for a home in a flood hazard area, and factors to keep in mind for the future. We’ve outlined a few basics to get you started, so you know what to look for when buying a home

What is a special Flood Hazard Area?

According to FEMA, 13 million homeowners live in the high-risk 100-year flood plain, which means they face a 1% chance of flooding during any given year. You’re in a high-risk flood zone, or Special Flood Hazard Area (SFHA), if your flood zone on FEMA’s map has a code starting with A or V. (This also is referred to as the “base flood” or “100-year flood.”) You’re at moderate flood risk (having a 0.2 percent annual chance of flooding) in Zone B or shaded Zone X. If you live in an area of minimal flooding, you’ll fall in Zone C or unshaded Zone X. You can look up your flood zone by address via FEMA’s Flood Map Service Center. It’s likely that the homeowner for your potential new house will share this information upfront, but it’s a good idea to do your own research.

Flood Hazard counties

According to the Pew Trust, in a report about flooding and the risk to public schools, five of the most at risk flood zone areas in the United States are Monroe County, Florida; Hyde County, North Carolina; Cameron Parish, Louisiana; Poquoson City, Virginia; and Tyrrell County, North Carolina. However, California, Texas, and New Jersey also have counties that are at risk, and your best bet is to consult the FEMA flood map.

What are the purchase requirements?

If your new home has a special flood risk, you’ll be paying for flood insurance on top of your regular homeowners policy. Under federal law, people with homes in high-risk areas with mortgages from federally insured or regulated lenders (this includes most nationally-known financial institutions) must have flood insurance. However, lenders can, at their discretion, require flood insurance for mortgages on homes located in low- to moderate risk areas. The average homeowners flood insurance premium under the program is approximately $700 a year.

What do I need to know after I’ve decided to buy?

Keep in mind that just because your home is at risk, doesn’t mean that it will flood while you are living there. However, it is still a risk, and you can ask a seller to help foot the bill for the added insurance costs that come with buying a house in a flood zone area. It’s not uncommon for sellers to offer buyers a one- to two-year home warranty to cover unexpected issues that may arise with the home’s main systems and components. Similarly, a seller could offer to discount a buyer’s flood insurance costs for a year as an incentive to purchase the property, either through an adjustment to the purchase price or credit at closing.

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Houses In Canada You Can Buy For The Price Of A Car

There’s no denying that buying a home can be a huge investment and it also comes with a rather massive cost for a lot of people. But it doesn’t have to be that way. There are places in Canada where you can buy a house for the same price you would pay for a new car. Doesn’t that sound exciting? Yes, it really is, and it does provide you with some really interesting ideas.

Some homes will cost you hundreds of thousands, but older homes in inexpensive areas can go for pennies on the dollar. You can pay around $10000 for some of the older homes outside of Regina and let’s face it, that is a really good deal. It goes to show that the results can be amazing when you go to such a place, so you should totally check this out.

There are also some homes that, with the right replacement windows in Calgary, will be able to increase their value even more. But right now they are in expensive, which makes them maybe one of the best investments you can make at this time. Granted, it’s not easy to make such an investment, but it will be worth it. And yes, you can get such a home at the outskirts of Calgary at the price of a regular car.

PEI in particular tends to have some of the best prices for homes in Canada. And there are lots of good properties here to the point where you will pay $50000 or less for something like this. It’s definitely the type of thing that will help you a lot, and it will offer you tons of exposure in no time.

If you want a more exquisite car like a Jaguar, then you will also afford a home in the historic region of Annapolis Royal. Sure, it sounds better to have a car in there, but let’s face it, the simple fact that you can get a home at this price is astonishing in its own right. And you should totally think about it.

Of course, you do want to look at the specifics when you want to buy a new home. The frequently asked questions about Ottawa windows are only a few of the many things that you want to consider. But it’s certainly going to be worth the effort, all you have to do is to check out numerous home listings online.

It’s amazing that you can get a new home at the price of a regular car. It actually blows the mind for a lot of people. But that doesn’t mean it will be a problem. It’s certainly going to come in handy and it definitely provides you with some unique options and opportunities. Rest assured that the value and quality is there, you just have to make the most out of it. As long as you browse for listings online, you will be quite amazed with the true value offered out there!

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3 Must-See Landmarks on America’s East Coast

If a trip up America’s East Coast is on your bucket list, then this year may be the time to get your plans in motion. With a mixture of large cities and historical landmarks along the route, you won’t be short of places to explore.

When planning your road trip, make sure your itinerary includes these three must-see natural landmarks to get a good flavour of what the East Coast has to offer.


  • Hanging Rock State Park


Located in North Carolina, Hanging Rock State Park is perfect for those who want to add a scenic hike to their holiday. With over 18 miles of trails, you can explore the numerous peaks and waterfalls that are located around the park and stay in the overnight accommodation, with a campground and cabins available.

Set over the highest peaks of the Sauratown Mountains, you can enjoy the stunning view of the surrounding landscape, or enjoy some of the activities on offer, such as boating, fishing, swimming and mountain biking.


  • Niagara Falls


A visit to Niagara Falls is a must when travelling up the East Coast. Comprised of three waterfalls – the Horseshoe Falls, the American Falls and the Bridal Veil Falls – it is famed for its beauty.

A memorable way to see the falls is on a Maid of the Mist boat, which takes visitors right to the base of the falls – it passes so close that passengers are provided with ponchos and rain gear to protect them from the spray. For a tour by a local guide, take a look at the range of group adventures to the falls on offer, which are available with travel companies such as Trek America.


  • Acadia National Park


Experience the 47,000 acres of landscape in Acadia National Park, located on the coast of Maine. One of its best-known sites is Cadillac Mountain, which stands at 1,530 feet and is the tallest mountain along the East Coast of the US – perfect for taking in the spectacular beauty of Mount Desert Island.

Attracting over two million tourists a year, Acadia is popular with families, hikers, photographers and anyone with a love of nature. Explore the park by enjoying activities such as rock climbing, kayaking or biking.

Don’t miss out on the stunning natural landscapes that a trip to the East Coast has to offer. Add our three top landmarks to your itinerary when planning your trip to America for a holiday you’ll be talking about for years to come.

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