How Changing Flood Maps in Mobile, AL Impact Flood Insurance Rates

April 11, 2018 10:12 pm Published by Leave your thoughts

Thanks to climate change and a host of other atmospheric conditions, flood conditions in the Deep South are continuing to change and become more prevalent. The U.S. Federal Emergency Management Agency (FEMA) recently released new flood maps for Mobile County, AL that will change the way many residents in the region purchase flood insurance.

FEMA’s new flood insurance maps add nearly 19 square miles of Mobile County, AL to its highest risk pool. This means that many households in the region will find themselves paying substantially higher flood insurance rates over the coming year. The new maps take full effect in 2019.

To fully determine if your home lies within an area affected by FEMA’s new flood maps, you should consider hiring a land surveyor in Mobile, AL. This can help you ensure that you are receiving the most accurate rates and coverage from your flood insurance provider.

Working with a qualified expert in land surveying in Mobile, AL is the best way to ensure that you’re not overpaying for flood insurance. If your home is at a higher risk of flooding, however, there are several steps that you can take to minimize your risk of damage and lower your overall premium rates:

  • Elevate utilities: Do you have an external air conditioner, electrical box or other piece of utility equipment located outside your home? Chances are, it’s situated adjacent to your house on the ground. Raising this equipment on a platform can help you reduce your insurance rates.
  • Build flood openings: Many homes do not include flood openings, which are small vents designed to quickly drain water from inside the house. Installing flood openings could substantially lower your rate of risk, and subsequently bring your insurance rates down in meaningful ways.
  • Raise the crawlspace: Do you have a crawlspace under your home that is below grade? Filling that crawlspace in with pea gravel or another similar substrate could reduce your flood insurance rates by as much as 20 percent. This one-time investment may save you thousands of dollars over time.
  • Elevate your home: Similarly to filling in a crawlspace, raising your home can represent a substantial initial investment with a meaningful payoff. If you are in a severely flood-prone area, elevating your home above the floodplain could reduce your rates by as much as 30 percent.

Since 1972, Polysurveying has been a highly trusted land surveyor in Mobile, AL. We are proud to provide each and every one of our clients with specialized surveying services they can rely on. We produce prompt and accurate assessments that you can use to negotiate documentation and for other practical purposes. We are here to help you ensure that you’re not overpaying for flood insurance, or receiving inadequate levels of coverage.

If you believe that your home may be incorrectly impacted by the new FEMA flood maps, you should reach out to one of our friendly and knowledgeable representatives today to learn more about our full range of services related to land surveying in Mobile, AL.

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