Chambers County Lake Topics: flood zone
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We just went through this with our business in Birmingham. You can see if your survey has any elevations on it. If not, you can request a flood zone elevation certificate from a surveyor. We had the flood elevation certificate done by a surveyor.The county would not sign off on it although the filling that had brought the property into the zone X was at their request and they had the documentation. We had to hire the same surveyor and have him come do a complete survey with the elevations showing we are in zone X. This was sufficient enough for the bank to accept. They would have excepted the flood certification certificate along with a community acknowledgement form. This form is found on the FEMA website. Our bank understood that they were putting property in a "general" mapping zone when the facts were already there. You have to prove it unfortunately. We decided to go forward with the complete acknowledgement and have the map changed so that if we sell the property in the future our kids will not be out of the loop and have to deal with the headaches of government as usual.
I have the documents handy if you want me to fax them to you. You may be able to get something from the county that they may have already. This happened along the florida coast and left many with higher insurance etc... the burden of proof was theirs to prove as well.
Welcome to my world this year. Ha!
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