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How do I know if a house needs flood insurance?

How do I know if a house needs flood insurance? It seems like the area I'm looking in may get a lot of water, but there's nothing definitive like a lake next to it.

Asked by Rick | Gainesville, FL| 10-17-2023| 528 views|Buying|Updated 2 years ago

Answers (3)

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Amanda Courtney

REP Realty Group · Fort Myers, FL

(13 reviews)
Check the FEMA flood zone on the listing/address. If it’s in a high-risk zone and you’re using a mortgage, the lender will usually require flood insurance.
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01-20-2026 (2 months ago)··
Nicole ParkerRising Star17 Answers
Nicole Parker

Dennis Realty & Investment Corporation · Hernando Beach, FL

(17 reviews)
This information is available on the FEMA website, or you can call your insurance provider to ask them to find that information out for you.
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10-18-2023 (2 years ago)··
Nancy FudgeNovice3 Answers
Nancy Fudge

Fudge Properties Inc · Wilmington, MA

(47 reviews)
FEMA flood maps are online nowadays
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01-11-2024 (2 years ago)··
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