W***n
发帖数: 11530 | 1 http://floodsafety.com/national/life/statistics.htm
Flood Damage and Fatality Statistics
Flooding is the most common type of natural disaster worldwide - 40% of all
natural disasters (1)
United States: Texas:
•Flash flooding is the leading cause of weather-related deaths in
the U.S.- approximately 200 deaths per year (1)
•Over 50% of flood-related drownings are vehicle-related. (1)
U.S. Flood Insurance Loss Statistics
Jan 1, 1978 through Sep 30, 2001: (4)
Ranking Total Paym... 阅读全帖 |
|
b*********n
发帖数: 2975 | 2 【 以下文字转载自 Living 讨论区 】
发信人: audi (yiybf), 信区: Living
标 题: Never buy a house in flood zone
发信站: BBS 未名空间站 (Tue Apr 19 08:56:29 2011, 美东)
Flood Waters Receding, But N.J. Residents Still Furious
April 19, 2011 7:03 AM
Print Share 12
New Jersey Flooding (credit: CBS 2)
WAYNE, N.J. (CBSNewYork) — As flood-prone areas of New Jersey began drying
out Tuesday, angry residents of flooded areas called again on New Jersey’s
leaders to do more to keep their roads and homes dry.
Flood-weary folks in Wayne a... 阅读全帖 |
|
W***n
发帖数: 11530 | 3 Flood Control and Drainage
The Chicago area is topographically dominated by the glacial Lake Chicago
plain. This plain encompasses the Chicago River, Des Plaines River, and the
Calumet River. Early explorers discovered the Chicago Portage, an area
within Mud Lake that was only 15 feet above the level of Lake Michigan and
on the watershed divide between the Mississippi River basin and the Great
Lakes basin.
The Chicago area experienced many early drainage challenges. The natural
condition was swa... 阅读全帖 |
|
W***n
发帖数: 11530 | 4 Flood Control and Drainage
The Chicago area is topographically dominated by the glacial Lake Chicago
plain. This plain encompasses the Chicago River, Des Plaines River, and the
Calumet River. Early explorers discovered the Chicago Portage, an area
within Mud Lake that was only 15 feet above the level of Lake Michigan and
on the watershed divide between the Mississippi River basin and the Great
Lakes basin.
The Chicago area experienced many early drainage challenges. The natural
condition was swa... 阅读全帖 |
|
a**i
发帖数: 608 | 5 Flood Waters Receding, But N.J. Residents Still Furious
April 19, 2011 7:03 AM
Print Share 12
New Jersey Flooding (credit: CBS 2)
WAYNE, N.J. (CBSNewYork) — As flood-prone areas of New Jersey began drying
out Tuesday, angry residents of flooded areas called again on New Jersey’s
leaders to do more to keep their roads and homes dry.
Flood-weary folks in Wayne are used to keeping a close eye on the now-
receding Passaic River, but once again flood waters have made their lives
miserable.
One man i... 阅读全帖 |
|
s*********8
发帖数: 901 | 6 GRAND COULEE DAM, Wash. – The giant concrete dams of the Pacific Northwest
are overflowing with water. Wyoming has deployed National Guard troops to
pile up sandbags. A federal official compares the impending situation to a
bucking bull ready to storm out of his chute.
States across the West are bracing for major flooding in the coming weeks
once a record mountain snowpack starts melting and sending water gushing
into rivers, streams and low-lying communities. The catalyst will be warmer
tempera... 阅读全帖 |
|
|
a**i
发帖数: 608 | 8 今年NJ的雨水实在太多了；
好多河边的公园，树林都淹了。
一个月前去 Fairfield， Little Falls 一带，
80号公路旁好多房子泡在水里
N.J. weekend nor'easter leaves flood waters at near historic highs
Published: Sunday, March 14, 2010, 11:39 PM Updated: Monday, March 15,
2010, 5:21 AM
By Amy Ellis Nutt/The Star-Ledger The Star-Ledger
Just weeks after breaking a 130-year-old record for snowfall, the Garden
State buckled under the mid-March nor’easter. Two Teaneck men were killed
Saturday when a tree fell on them. Continued power outages, train del... 阅读全帖 |
|
n*g
发帖数: 170 | 9 房屋结构不在flood zone就行，这种flood insurance not required的房子没有什么问
题，基本都是因为后院有泄洪沟小溪啊什么的但是地势高，大flood来了房子也不会有
事。
lender不是傻瓜，如果房子会被淹的话不可能不要求flood insurance.
如果房屋结构在flood zone的话lender肯定会要求flood insurance, 这种房子自住的
话可以不买就不买，投资另当别论，认识个builder在flood zone有7-8套房子出租，因
为买入价低，flood zone税低， 总投资30几万现金，每月到手现金＞6000，我问人家
有没计划卖掉，他说准备再买入。 |
|
h********n
发帖数: 5148 | 10 你的理解是正确的。房子是否在FLOOD ZONE一般来讲都是以FEMA的FLOODZONE MAP为主
。当然有时候由于各个数据库的不一致会导致，保险公司和贷款公司查出来的不一样。
如果房子被界定在属于100 YEAR FLOOD ZONE，如果你是贷款买房，银行就需要你买
FLOOD INSURANCE。在FLOOD ZONE的房子，买保险之前都会做个ELEVATION CERTIFICATE
， 具体FLOOD INSURANCE的保费是和这个数据有关的。我的理解是，这个CERTIFICATE
适用于界定你的房屋是高于还是低于海平面多少INCH。
如果你的房屋不在FLOOD ZONE,是否购买FLOOD ZONE的INSURANCE就属于自己的选择了。
一般都不会贵，一年三，四百吧。不过如果有些不在FLOOD ZONE的房子，进过水，而且
CLAIM过，那即使你买这种OPTIONAL的FLOOD INSURANCE,价钱也不会便宜。所以在房子
CLOSE前，最好找到保险公司详细了解一下。 |
|
d*********t
发帖数: 4393 | 11 How often does a 100-year flood occur?
Large floods are often given designations as a "one-hundred-year flood" but
a 100-year flood does not mean that such a flood occurs once every 100 years
; instead it means that there is a one in one-hundred (or 1%) chance of such
a flood occurring in a given year.
Two 100-year floods could occur a year apart or even a month apart -- it all
depends on how much rain is falling or how quickly the snow melts. A "20-
year flood" has a one in twenty (or 5%) chanc |
|
d*********t
发帖数: 4393 | 12 【 以下文字转载自 Military 讨论区 】
发信人: davidwright (davidwright), 信区: Military
标 题: 100-year flood zz
发信站: BBS 未名空间站 (Wed Jul 21 09:41:07 2010, 美东)
100-year flood
From Wikipedia, the free encyclopedia
A one-hundred-year flood is calculated to be the level of flood water
expected to be equaled or exceeded every 100 years on average. The 100-year
flood is more accurately referred to as the 1% annual exceedance probability
flood, since it is a flood that has a 1% chance of being equaled or
exceeded in any |
|
d******n
发帖数: 74 | 13 据说是有个专门的机构管着这件事的.他们有专们的MAP.非常详细的.新房子在CLOSING之
前你就得掏了钱让个个什么人把这个房子是不是在flooding zone里给调查清楚了.不在
flooding zone里的房子是不要买 flood insurance的.除非你坚决要买.而在flooding
zone里的房子,你的LENDER也会要求你买flood insurance的. 黑骨头那房子肯定不在
flooding zone里.就那点人工挖的小沟还能闹腾到哪去. 基本上每个正规的小区都有人工
挖的小沟呀,小湖呀,小水糖呀什么的.目的是在下暴雨的时候加大整个小区的排水能力和
循环利用这些水源来灌溉小区的公共草地.偶的观察是一般这些有水的地方都是小区地势
比较低的地方.而这样附近的LOT一般比较潮. 呵呵.水往低处流吗. |
|
m***j
发帖数: 1215 | 14 【 以下文字转载自 Texas 讨论区 】
发信人: mdcaj (-------), 信区: Texas
标 题: flood zone问题
发信站: BBS 未名空间站 (Sat Sep 27 11:20:34 2014, 美东)
最近在看房子，lender说房子在flood zone AE. 后来在https://msc.fema.gov 上查了
一下，好像很大一片都是在flood zone. 想问问大家是不是休斯顿很多地方都在flood
zone里面? 那一般flood insurance要多少钱？大家能接受在flood zone的房子么还是
要果断放弃？ 多谢啦 |
|
p*p
发帖数: 492 | 15 被通知: your home is within the reach of the 100-year flood and you will be
required to purchase flood insurance if you have a federally insured
mortgage loan or a lien against the home. by taking action no later than 60
days before FEMA adopts the map, you may be able to substantially reduce
the cost of your flood insurance program.
应该在家被划进higher risk flood zone前去添加这个flood insurance吗？听说大概
明年初会被划进去。
但昨天有听在high risk zone的人家是不买的这个flood insurance的，他家应该也是
有loan的。是不是有的loan company松到不用理会FEMA policy? |
|
w*******y
发帖数: 60932 | 16 Amazon dropped the price on this highly rated battery powered LED motion
sensor flood light to $16.50 each with free Super Saver shipping on orders
over $25. This is the lowest price I've ever seen it for. You can count on
Amazon jacking up the price again if the SD effect kicks in, so don't dawdle
if you want want it at this price.
Read the Amazon reviews:
http://www.amazon.com/Dorcy-41-1071-Wireless-Motion-Flood-Lite/
before buying. The Dorcy flood light's output is 140 lumens, which is a
he... 阅读全帖 |
|
d*********t
发帖数: 4393 | 17 The terms "10 year", "50 year", "100 year" and "500 year" floods are used to
describe the estimated probability of a flood event happening in any given
year. Their primary use is for determining flood insurance rates in flood
hazard areas. Using historic weather and hydrograph data , experts derive
the estimated rate of flow or discharge of a river or creek. A 10 year flood
has a 10 percent probability of occurring in any given year, a 50 year
event a 2% probabaility, a 100 year event a 1% proba |
|
w********6
发帖数: 21 | 18 I closed my house on Monday, the sellers brought all the documents they had
(most from their previous owner) and we found out some unexpected things:
1. The roof was advertised to be replaced in 2008. The document said the
replacement happened in 2006. The listing agent apologized and insisted that
by law we can do nothing.
2. A water main broke in 2008, affected multiple houses on the street
including the one we bought. I encountered the letter addressed to residents
on the street from ... 阅读全帖 |
|
r*****a
发帖数: 27155 | 19 Floodsmart.gov says "You live in or near a Special Flood Hazard Area" and
the risk is "High".
But Floodsource.com says "This property is NOT in a 100-year flood plain and
flood insurance is not required. However, you are approximately 199ft. from
a flood zone ".
Seller's disclosure says not in flood zone. Which one should I believe?
Thx~~ |
|
N**s
发帖数: 1916 | 20 get an elevation certificate from seller/county and get flood insurance
quotes to know your cost. higher elevation may give you a break on flood
insurance. newer constructions are generally raised higher to fight against
flood. they normally have flood vents, in addition to air vents, installed
in the crawl space.
I have a property about 100 meters away from the bay but did not have to
break my bank to pay flood insurance. the neighbor across street is paying 5
times mine due to their low elevat... 阅读全帖 |
|
s****e
发帖数: 720 | 21 确实是。已经pass了。
这个房子很有意思，看ferma的地图是在flooding zone的外边，seller的disclosure也
说没有flooding insurance。但查www.freeflood.net，code是A，是位于flooding
zone里。
但这个房子离flooding zone很近是肯定的。
一个房子是不是可能以前被划在flooding zone里，然后后来又被划出去了？还是ferma的
map也不是最准的？ |
|
r***t
发帖数: 110 | 22 最近看中了个房子比较合适，唯一的问题是查了FEMA的地图在flood zone里面。屋主说
现在每年的flood保险是700块。然后问了一下前几年我们这边发超级大水的时候，屋主
说这个屋子没有进水，但是地基被淹了，所以他们claim了flood的保险修了外墙空调外
机什么的。
我对这个flood zone不是很懂，我的理解就是每年要多交几百块的flood保险，然后发
大水了会影响自己的生活，但是经济损失保险公司可以报销？因为前几年那场超级大水
基本上是近几十年来本地最大的一场洪水了，这种情况下水都没有进屋子的话说明可以
预期的将来应该也不会出现被水淹到屋里的情况？外墙什么的被淹了就找保险公司修就
是了。
求建议，求拍醒～ |
|
发帖数: 1 | 23 sunnyvale101 北flood Zoom附近，但不在flood zoom的房发生flood的可能大吗？ |
|
m***j
发帖数: 1215 | 24 最近在看房子，lender说房子在flood zone AE. 后来在https://msc.fema.gov 上查了
一下，好像很大一片都是在flood zone. 想问问大家是不是休斯顿很多地方都在flood
zone里面? 那一般flood insurance要多少钱？大家能接受在flood zone的房子么还是
要果断放弃？ 多谢啦 |
|
l****z
发帖数: 29846 | 25 by Jeffrey Lord
The flood waters have hit Pennsylvania.
And no, we're not talking rain from Hurricane Sandy, which has done quite
enough damage here thank you very much.
This time the flood is television commercials for Mitt Romney – with a
counter-flood from the Obama campaign.
Of a sudden, Governor Mitt Romney has made a $120,000 TV ad buy here in
Pennsylvania. The ads to run the day before and the day of the election.
Where President Obama is supposedly sooooooooooooo very confident.
But wait... 阅读全帖 |
|
w*********r
发帖数: 2192 | 26 【 以下文字转载自 SanFrancisco 讨论区 】
发信人: wisdomlover (wisdom), 信区: SanFrancisco
标 题: 问 flood zone 和 fault zone
发信站: BBS 未名空间站 (Fri Apr 9 15:53:36 2010, 美东)
如果房子在FLOOD zone 或者fault zone,
是不是很不好。
如果一个房子需要1000元 YEARLY FLOOD INSURANCE，
合算吗？大家的房子flood insurance吗？ |
|
g**y
发帖数: 1342 | 27 喜欢就买，只要房子自身不在flood zone，院子在不在也有不少人根本不在意。如果本
来也不是非常喜欢就随便抓阄巴。那个flood zone过几年说不定就挪过来了。我看到过
一个区，以前不在一百年flood zone的，结果杯具的很，city每隔几年规划一次，现在
进了flood zone。。。 |
|
w*********a
发帖数: 121 | 28 刚进了escrow, Property ID report 说房子在flood zone A 并且在 Dam Failure
Inundation Map 上。40 mile之外有个湖和大坝。查了FEMA map,这条街在zone A 边缘
，隔5，6个房子和几个block就是Zone X 了。
虽然我们这个地带一直有干旱问题，从房子建好（91年）到现在，房子肯定没有进过水
。可是flood insurance 要$3000多一年，房子的value肯定大打折扣，appraisal不知
能不能过。并且，lender会不会允许我们买low premium flood insurance?
agent说report is incorrect, 他会去City查一下。可是，FEMA的MAP不是federal
regulated吗？ |
|
a*****a
发帖数: 286 | 29 房子不在special flood zone，但是在area potential flooding（dam failure）。这
种情况要强制买保险吗？agent说在special flood zone要买， 在potential flooding
area不需要。
情况是这样吗？多谢指教。
我想再问问这里的朋友一下，不想房子买了又要买额外的保险。 |
|
Q***N
发帖数: 2972 | 30 special flood zone是银行强制要买,不买不给你贷款,而且比较贵.
DAM FLOOD和其它POTENTIAL FLOOD ZONE看你自己的需求.
flooding |
|
m******t
发帖数: 514 | 31 请教一下，看到一个房子，说是院子部分在flood zone,但不需要购买flood insurance
. 第一次买房没经验，请教这种情况是否有问题？ 还是有flood zone问题的房子一概
最好不考虑？
谢谢 |
|
s*********4
发帖数: 130 | 32 今天收到mortgage officer的邮件，说我买的condo association不包flood
insurance。我的房子评估后在Flood zone AE。 有如下问题：
1. 请问flood insurance一年大约多少钱（在新泽西州）。有没有推荐的保险公司。
2. 在网上查了一下，有人建议做re-evaluation然后可能flood insurance的quote会便
宜很多？有必要做吗？如果有，请问有什么推荐的机构吗？
谢谢大家。 |
|
p******e
发帖数: 528 | 33 我正在看一个房子，在https://msc.fema.gov上查了一下，这个房子是在flood zone里
。但是当我问对方卖家的
代理的时候，那个人肯定的说这个房子不再flood zone里，而且说他们会有报告证明这
一点。所以我就有些糊涂了。
我以前觉得fema就是认定一个房子是否在flood zone的官方地址，但是怎么会和卖家的
代理说不一致呢？另外请问
在flood zone里的房子是否值得买？（这个房子是在AO级别的zone里。） |
|
|
M*******a
发帖数: 205 | 35 要看就具体哪里的 flood zone,我家原来的那小房就在 flood zone,因为是 beach
house,每年 premium 只长15、20块，不是 base line 新近在 Sandy 后划入 flood
zone 就没事儿，如果你的 seller 已经交过很多年水险，你问问他们是否已经 grand
fathered in 了保险，我的房子保险就 grand fathered in 了，也就是可以传给下一
任房主。现在新在 flood zone 盖房子新房子的水险贵的离谱， everyone loves the
view! |
|
s*********4
发帖数: 130 | 36 今天收到mortgage officer的邮件，说我买的condo association不包flood
insurance。我的房子评估后在Flood zone AE。 有如下问题：
1. 请问flood insurance一年大约多少钱（在新泽西州）。有没有推荐的保险公司。
2. 在网上查了一下，有人建议做re-evaluation然后可能flood insurance的quote会便
宜很多？有必要做吗？如果有，请问有什么推荐的机构吗？
谢谢大家。 |
|
a*****a
发帖数: 286 | 37 房子不在special flood zone，但是在area potential flooding（dam failure）。这
种情况要强制买保险吗？agent说在special flood zone要买， 在potential flooding
area不需要。
情况是这样吗？多谢指教。
我想再问问这里的朋友一下，不想房子买了又要买额外的保险。 |
|
s********r
发帖数: 562 | 38 问一下大家哪家flood insurance便宜点？大约多少钱？房子在95132 flood zone，马
上要close，现在要买home insurance和flood insurance。AAA问了一下，光flood一年
就快2000了，太贵了。多谢！ |
|
l****z
发帖数: 29846 | 39 【 以下文字转载自 Arizona 讨论区 】
发信人: lczlcz (lcz), 信区: Arizona
标 题: Sheriff Joe: 'We're Going to be Flooded' With Illegal Immigrants
发信站: BBS 未名空间站 (Fri Nov 21 18:48:15 2014, 美东)
via Breitbart Feed
Maricopa County, AZ Sheriff Joe Arpaio (R) argued that President Obama's
executive action on immigration would result in areas along the border being
"flooded" with illegal immigrants on Friday's "Your World with Neil Cavuto"
on the Fox News Channel.
"I'm going to have to beef up my fraud bureau. We arrest p... 阅读全帖 |
|
s*******d
发帖数: 56 | 40 这个房子是好区里的73年的房子.地大0.83 ACRE. 后院界后穿过小溪(FLOOD ZONE),右
边那块地也是FLOOZ ZONE,所以不能建房子,建了公园.只有左边有邻居.
这个房子是在ZONE X 上的.房子老了,维持的还好.没什么UPDATE.面积还好.地很大.
我的AGENT说这个地大,平.本身不在FLOOD ZONE 上.后院有小溪是FLOOD ZONE,这样的房
子的PRIVACY好.自己建大房子,别人买了建都是好的. 我就想在这个学区买,它现在比最
早的要价降了10万.
还有这房子用PRIVATE WATER SYSTEM. 什么意思?
我找房子都没精打采了.请大家有经验的说说. |
|
l*****s
发帖数: 53 | 41 【 以下文字转载自 TonyXuClub 俱乐部 】
发信人: legumes (健康是第一要务), 信区: TonyXuClub
标 题: 请问怎么买flood insurance？
发信站: BBS 未名空间站 (Mon Mar 22 21:53:14 2010, 美东)
5年新的房子，在flooding zone AE里面，银行说要买flood insurance，问了保险公司
说要一个elevation certificate，请问这个上哪里去拿啊，不会还要请勘测人员勘测
吧，头大，谢谢了！ |
|
c********u
发帖数: 522 | 42 地下室墙上贴了一些防潮的版,有的地方贴了,有的地方没贴,大部分都贴了,agent说这
些都是终身保修的,如果有flood,就会给你免费修,是好事!真的吗?
我在想,如果没有过flood,为啥要贴这些版?是不是有过flood的阿?问agent也不说,这个
agent今天第一次和我们一起看房,我们还没正式雇佣他,还没签合同
地上也用大的泡沫塑料垫了 |
|
w*********a
发帖数: 121 | 43 看来title company的报告和FEMA online map有误，问了三家保险公司，两家说那房子
不在flood zone。lender 已经确认不需要flood insurance。
松了一口气。 |
|
p******y
发帖数: 3523 | 44 我只知道要去搞个flood cert，上面标的flood zone也有不同级别，估计级别不同对
flood insurance的要求不同吧。不过，一般都得保到replacement cost吧，似乎至少
要保到80% appraisal value。 |
|
|
Y*H
发帖数: 1582 | 46 Sry cannot type Chinese at work.
I'm buying house with a backyard going into the woods & a small creek. I was
told that the house is outside of the 100 year flood plan therefore
requires no flood insurance.
Today when I looked at the disclosure there is one line reads:
"Small back part of lot is in 100 year flood zone"
Should I be concerned with this at all? Do I need to pay higher insurance
rates as a result of this?
Bao zi for replies. |
|
l*******u
发帖数: 1491 | 47 最近看房子看好一个，但是在flood zone，最近两年因为flood还claim过两次
insurance。查了下地图旁边100米就有一条河，河的lattitude比房子高，比这个房子
高2feet的邻居家的房子就不在flood zone了。请问这样的房子能买吗？
我去看了后院积水很严重，雪天后后院都是泥塘很多地方水抹过鞋那么高，而且已经是
雪化后好几天了，这个问题能修吗？安排水系统要多少钱，可以要求房主修吗？
还有一个问题请教大家，房主说如果两个大功率用电器比如吸尘器和微波炉一起用就会
跳闸，这样的问题好修吗？修需要多少钱？可以要求房主修吗？
是不是这些问题都要写到agreement of sale里？在写agreement of sale之前还有什么
要注意的呢？是不是应该再去房子里仔细看一下？
我听很多人说应该多看一些房子，是不是看一次就决定太着急了呢？ |
|
p******y
发帖数: 3523 | 48 flood zoon有好多等级呢，要看flood certificate上是怎么建议的，如果说要买flood
ins就不得不买。 |
|
q******u
发帖数: 162 | 49 买房子查房子的public records,像permit, 有没有flood过（没在flood zone)在哪里
查？什么时候查？比如都是在atterney review之前还是之后？
另外这是ａｇｅｎｔ的活吗？虽然说自己买房子上心点好，但是ａｇｅｎｔ除了递ｏｆ
ｆｅｒ外应该干这个嘛？ |
|
s********a
发帖数: 2796 | 50 看到一个房子。感觉地势还蛮高的，但是被划在flood zone的边界上（房子的一角在
flood zone)里。
想了解一下如何自己测量房子所在位置的高度，以及flood level的高度呢？ |
|
