I was reading an article regarding a home's flood factor based on the location of the home. I clicked on the link and typed in my address. On a scale of 1-10, my home was rated a 1, "Minimal". Check the flood factor of your home: https://floodfactor.com/
"When Hurricane Harvey inundated the Houston area three years ago, most of the homes damaged or destroyed had no flood insurance because they were not in FEMA-designated flood zones, according to the National Flood Insurance Program. FEMA flood maps are often outdated, not comprehensive and don’t factor in the effects of climate change.
While FEMA classifies nearly 9 million U.S. properties as having substantial risk, requiring them to carry federal flood insurance, First Street identifies nearly 70% more, or more than 14.5 million properties, with the same level of risk. It calculated that more than half the properties in Harvey’s path were at high flood risk and should have had insurance.
The difference is that First Street uses current and projected climate data, including sea-level rise. It also maps actual rainfall, which is increasing dramatically, and includes areas FEMA hasn’t mapped. It then assigns each property a flood score ranging from lowest risk of 1 to highest of 10."
About the Author
Ryan Christensen
Responsive, Responsible and Resourceful - How Real Estate Should Be. This is the foundation of our continued success: responsive service, providing accurate and timely information, and demystifying the process. 100% of my business is referral based because I listen to my clients' needs and exceed their expectations. As a full-time real estate broker, I am the best advocate for both my buyers and sellers. I am always available, regardless of the time of day.
Being a native Southern Californian is a tremendous advantage. I know the area. Time is more valuable than money, but neither can be wasted. And, I'm a fan of hard work. My clients can enjoy their home buying and/or selling experience because I provide a trusting, focused, straightforward approach. I look forward to helping you achieve your goals and find joy in homeownership.
I am both a licensed Real Estate and Mortgage Broker. Others choose to concentrate on one or the other. I provide a higher level of service and expertise than those who do not obtain this dual skill set, which differentiates me from other service providers. My decisions and advice are based solely on what is in the best interest of my clients. I use Real Estate Sales as a tool to make sure my clients get the home that meets or exceeds their needs. As a Mortgage Broker, I search for the best loans so I can offer lower rates and pricing than my financing competition. This certainly IS in the client's best interest.