Posted By alyssald on 05/08/2008 2:56 PM
Does anyone know if the FEMA info has been officially updated? My husband looked at the updated maps and Dessert Passage is clearly still marked as being in a flood plain...but when he called the FEMA number--the one that says "for help reading zone maps" they told him that they couldn't tell him whether we're in a flood plain and we would have to hire a surveyor. We just got a bill---that is ridiculously expensive---to renew our flood insurance. This is something we discussed explicitly with our sales person...but I would not be at all surprised to find out we were lied to about it being rezoned within the first year. I believe the most recent update was Dec 07, 2007???
I was in a similar situation a year ago in Senita. I was told that the area had been elevated and was no longer in a flood zone. I financed through my builder and all was good. When the builder sold the title 6 months later to Chase, I go a letter telling me I WAS in a flood zone and to either get Insurance within 45 days or they would get it for me and take it out of escrow. I put a lot of time and effort into researching the issue and indeed was still in a flood zone. I communicated with the engineering team responsible for the grading and was offered the documents if it came down to a fight. The land had indeed been raised but the LOMR was not yet active (it is now) and Chase had every right to force my hand. I communicated with my builder's corporate headquarters, customer service and finance and eventually they paid for the Flood Insurance since I had not been warned about required flood insurance. If the map shows you in the flood zone, I think you are in a bad way. However, if the map shows you are good, find out from your finance company how to forward the docs. The work is on you, not them unfortunately. Good Luck. |