How To Avoid Buying Homes In Houston’s Flooded Zones
How To Avoid Houston Homes
For anyone who watches the news, it should be no surprise that parts of Houston are very prone to flooding.
Here are a few of Houston’s recent major flooding events:
- Tropical Storm Allison (2001)
- Major southeast flooding (2006)
- Hurricane Ike (2008)
- Memorial Day Floods (2015)
- Tax Day Floods (2016)
- Hurricane Harvey (2017)
As a real estate broker, I’m baffled by the number of Houstonians who buy a home which has flooded two or more times from the events above.
Some buyers of flooded homes know of the risks. However, far too many Houston home buyers didn’t do their correct due diligence before making a purchase.
Here’s an example of a common problem.
If the property flooded, but the structure didn’t flood, the listing agent too often markets the property in big bold letters “DID NOT FLOOD.”
However, while this is technically true, it is not accurate . . . and it happens all the time.
Futhermore, the listing agent also often doesn’t make it easy for Houston homebuyers to get the survey, details and any prior inspection reports so you know really know what you’re buying.
That’s why you need an expert on your side to help you navigate the pitfalls of buying in or around Houston flood prone areas.
“Paige Martin is the best Realtor. She is highly experienced and very knowledgeable. She made our buying experience an enjoyable one, not only for us, but for our daughter, son-in-law and several of our friends. We have bought and sold many houses, and Paige has been the best realtor we have ever worked with. We highly recommend her and The Houston Properties Team.”
Politicians may promise “new and improved drainage” or “new building restrictions” to “fix the problem.” However, it’s difficult to overcome fundamental topography when Houston adds more residents per year than the entire population of Pittsburg.
After every major storm, the Houston Properties Team researches the neighborhoods and high-rise condos that did and did not flood.
Below, you’ll see a list of some of the neighborhoods that fared well during the most recent major flooding event in Houston (in this case, Harvey). We’ll also share with you those neighborhoods that didn’t do so well.
We also did the research on home prices and the state of the real estate market in Houston post-Harvey to give you an idea of the trends in the area after a major disaster, plus some tips on how to do your homework to make sure that (1) you won’t make the mistake of unknowingly buying a flooded home and (2) you will price appropriately.
If you’re looking to buy a home in Houston that is at lower risk of flooding, we can definitely help you. We’ve done the research into the areas that did and did not flood. Email Paige@HoustonProperties.com for recommendations.
Table of Contents
1. What Parts of Houston Are Not Flooded (Examples From Central Houston)
2. Flooded Neighborhoods in Houston (Examples From Central Houston)
3. Resale Trends (Comparing Areas That Did Well Vs Flood Prone Areas 2 Years Post Harvey)
4. Hurricane Harvey and Houston Flood Maps
5. Houston Home Prices After Harvey
6. Houston Real Estate Market Post Harvey
7. How To Check for Flooding History When Buying A Home In Houston
8. Houston Flood Plain Terminology – Explained
This group of neighborhoods reported very few (or no) flooded homes during the last three major storms based upon our two month post-Harvey analysis. Contact us for recommendations & additional neighborhoods that performed well.
After every major flood, the big question in homebuyers’ minds is always, “What parts of Houston are not flooded?”
Based on our research from the last major floods (including the Harvey flooding, Tax Day Floods, and the Memorial Day Floods), the following Central Houston neighborhoods fared very well:
2. Garden Oaks
3. Heights / Greater Heights
4. Highland Village / Midlane
6. Montrose (77006)
7. Northside (77009)
8. Royden / Afton Oaks
9. Oak Forest (East Only)
Also known as East Downtown, EaDo has some of the most competitively-priced properties in the Inner Loop, offering housing options such as single-family homes, townhomes, and condos for attractive prices.
Eastwood is an affordable subdivision to consider within EaDo, while Herrin Lofts, Stanford Lofts, and Ivy Lofts are just some of its most notable condo projects that you can take a look at if condo living is what you’re after.
Located only a few minutes from the Medical Center, Greenway Plaza and Houston Ship Channel, this neighborhood is one of Houston’s most walkable and accessible neighborhoods, where top-rated gyms, restaurants, bars and breweries are all just a stone’s throw away from each other.
It’s also home to a number of National Blue Ribbon and multi-award winning schools like Rusk Elementary School, Jackson Middle School and Austin High School—one of the most beautiful campuses in Houston.
Garden Oaks is a tree-lined community with towering oaks (hence the name), lofty pine trees and scenic magnolias dotting its rustic landscape.
The lots in this Central Houston neighborhood can go to as large as 17,000 square feet and features vintage home options that appreciate well, such as plantation-style homes, quaint patio homes, bungalows, ranch-style homes and townhomes.
And even though it retains a lot of its small town vibe, Garden Oaks is just 7 miles away from downtown Houston and is easily accessible from job centers like the Medical Center and the Galleria.
Also, since it’s zoned to the largest school district in the state (Houston Independent School District), you can have your pick from a number of notable public and private schools you can send your children to.
Heights / Greater Heights
A historic district and one of Houston’s most walkable neighborhoods, The Heights (or more accurately, The Greater Heights) is one of the best performing neighborhoods in Houston in terms of real estate appreciation.
It offers single-family homes, townhomes and condo options for those looking to move into this area.
While single-family homes are the most common housing option here, townhomes are also gaining more and more popularity. Condos are a bit more limited, considering the neighborhood’s deed restrictions and preference for Victorian-style homes.
The Greater Heights offers a great commute to downtown, Medical Center, Galleria, and other accessible neighborhoods. It also boasts of fun, family-friendly activities like Heights Hike, Bike Trail, White Oak Bayou Trail and Lights in the Heights, a well-attended event that is planned annually by its very active community.
Highland Village / Midlane
Highland Village is a pocket neighborhood located just south of the Highland Village Shopping Center, a popular upscale retail destination.
Housing options in this area include updated ranch-style homes and larger and newer custom-built homes, all of which can go for as high as $700,000. Townhomes and condos are not available in Highland Village though because of its strict deed restrictions.
Land appreciation in this neighborhood is one of the best in Houston, and this is mainly due to Highland Village’s proximity to retail, business and employment hubs like the Galleria/Uptown Houston and Upper Kirby/Greenway Plaza.
Another factor in its rising land values are the International Baccalaureate World Schools serving Highland Village homes, like St. George Place Elementary, Lanier Middle, and Lamar High School.
Midtown is almost synonymous with luxury loft living, with upscale condos and lofts being a popular housing option for residents and homebuyers in this area.
The Edge, Rise Lofts, Midtown Vistas, and 2016 Main are just some of the notable condos in this neighborhood, and they come with luxurious amenities like rooftop decks with views of the downtown’s skyline, swimming pools, fitness centers, and reserved parking for residents.
One of the most accessible neighborhoods in Houston, Midtown has location as its best asset. It has excellent public transportation facilities and easy access to major freeways, restaurants, bars, lounges, coffee shops, boutiques, and retail stores.
It also boasts of excellent private and public schools zoned to the Houston Independent School District.
Montrose is one of Houston’s cultural centers and boasts of a distinctly bohemian vibe with its art museums, festivals, 1920s mansions, and quirky townhomes.
However, it is also seeing a rise in upscale condominiums and old-style and new construction single-family homes due to a boom in property development projects in the area.
Although it is a mostly residential neighborhood, retail and entertainment spots are still easily accessible within the Montrose area, and commutes going to and from downtown, Galleria and the Medical Center are relatively easy.
The neighborhood is also home to several International Baccalaureate World Schools, and, of course, to the High School for the Performing and Visual Arts (HSPVA), a highly sought-after Fine Arts magnet school.
Northside is one of Houston’s oldest neighborhoods and offers fairly affordable homes that start for as low as $100,000 and average around $275,000.
Housing options include single-family homes and townhomes, and while there are no condos in this neighborhood, you can easily find plenty of condo options in the downtown area which is easily accessible from Northside.
A quiet community atmosphere, proximity to downtown, METRORail access and an excellent selection of public and private schools, many of which are International Baccalaureate (IB) World schools, make Northside a promising neighborhood for homebuyers.
Royden / Afton Oaks
Royden Oaks and Afton Oaks are two of Houston’s most expensive neighborhoods—the median sales price of single-family homes in Royden Oaks is $1,500,000 while the median sales price for homes in Afton Oaks is over $900,000.
Both neighborhoods offer single-family homes as housing options, with Afton Oaks offering gorgeous 1950s ranch-style homes and recently constructed traditional, Spanish, Mediterranean, and French style homes.
Both areas don’t offer any condo buildings, although Afton Oaks have townhomes that are steadily becoming a popular option for many homebuyers. Royden Oaks, on the other hand, have no townhomes.
Both areas have excellent access to shopping and business districts. World-class retail, business and employment hubs, parks, numerous entertainment and dining establishments, and public and private school options are all just minutes away from both neighborhoods.
Oak Forest (East Only)
Oak Forest offers mostly single-family homes on generous lots that go anywhere from 7,000 square feet to 10,000 square feet.
Housing options include updated and renovated ranch-style homes from the 1940s and 1950s, as well as new construction homes. And although the lots on Oak Forest are on the larger end, homes in this neighborhood are relatively affordable and appreciate well.
Oak Forest is a popular choice for homebuyers because of its location, its large lots and tree-lined streets, and its top-ranked elementary schools, one of which is Oak Forest Elementary, deemed to be one of the best elementary schools in the state of Texas itself.
Briargrove is a quiet residential neighborhood that offers ranch-style homes, a small town atmosphere, wooded grounds, well-kept yards and large lots.
Lots in this area go from 7,000 to as large 10,000 square feet, while prices for homes range from $500,000 to more than $1,500,00.
Location is one of Briargrove’s greatest assets since it’s located near Uptown, a main employment and retail district in Houston that houses The Galleria shopping center. Aside from The Galleria, you can also avail of more retail and dining options in the Briargrove Shopping Center found just south of the neighborhood.
In addition to these central neighborhoods, many other parts of Houston also fared very well during major flooding events. Some of these areas actually even benefited from Harvey because of an increase in demand for Houston neighborhoods that did not flood.
Additional areas that did well include: Royal Oaks, Champions, Katy – Old Towne and Friendswood. Contact us for a full list.
This group of neighborhoods reported a higher percentage than average of flooded homes (flooded homes divided by the total number of homesites in each area) during the last three major storms based upon our two month post-Harvey analysis. Contact us for recommendations & additional neighborhoods that suffered heavy flooding.
Many homebuyers are concerned about buying a house that flooded during Harvey, and rightfully so. After Harvey, the number of homes flooded in Houston alone reached a high of 96,410.
Those homes will most likely encounter many of the pressing problems associated with flooded houses, like mold and mildew. Insect infestation and deterioration of wall coverings are other likely issues that will crop up, even for homes that have been renovated after a flood.
After the major past few Houston floods (including Harvey flooding, Tax Day Floods, Memorial Day Floods), we noticed that plenty of the inquiries we were receiving from homebuyers were variations of these questions:
- Which parts of Houston are flooded?
- Do you have a map of flooded neighborhoods in Houston? Or specifically a map of areas flooded by Harvey?
- What were the beautiful neighborhoods flooded in Houston?
- Are the wealthy neighborhoods in Houston flooded?
- Can you give me a list of neighborhoods that flooded during Harvey?
- What are the best places to live in Houston after Harvey?
So to help answer their questions and allow them to make a more informed decision, we went ahead and analyzed flood data from:
- Reported property sales from the HAR MLS
- Property Seller Disclosure Notices
- Reported insurance claims
- Contacting building managers at over 75 of Houston’s condo buildings
- Contacting over 200 clients
We then built a model of areas that experienced above average reported floods (flooded homes divided by the total number of homesites in each area).
Based on the flood data and the model that that we built, we found out that the following Central Houston neighborhoods experienced above average flooding:
- Braeswood Place
- Briargrove Park / Walnutbend
- Downtown (77002 | Flooded Buildings Located Near Buffalo Bayou)
- Eldridge North (77041)
- Knollwood / Woodside
- Memorial West (77079)
This isn’t to say that the entire community in the area flooded, but that many streets and areas within each area experienced an above average of reported flooded homes. We are also aware of streets within every listed community that fared very well.
We have similar neighborhood lists for other parts of Houston. Contact us for recommendations or advice.
Even two years after Harvey, home values and land prices in flood prone areas are materially impacted from the floods. Since Houston has experienced a major storm every 3 years (on average) for the last two decades, it’s critical for home buyers to be aware of flood prone areas and plan appropriately.
Resale value is an important consideration for homebuyers, many of whom see their house as an investment that they expect to appreciate over time. In fact, a whopping 84% of homebuyers report that they view a home purchase as a good financial investment, while 42% say that owning a home is better than owning stock.
A big question this year for homebuyers who are looking at the housing market in Houston TX and are concerned about their home’s resale value is, “Should I buy a house that flooded in Harvey?”
To answer this, we completed a study of over 500,000 Houston homes sales since 2000, with the goal of determining the factors that hurt a home’s resale value.
One of the key findings from our study is that there are nine factors that materially impact a home’s resale value.
This article just focuses on one of the nine (contact us for the full list)—a significant factor that becomes even more critical in light of all the recent major flooding events that have hit Houston in the past couple of years.
The important factor that materially hurts a home’s resale value? Buying a flooded home or buying in a flood plain.
To highlight this, we analyzed two sample groups:
- Group A (Central Houston areas that did not experience any/much flooding from Harvey)
- Group B (Central Houston areas that reported an above average percentage of flooded homes during Harvey)
We analyzed the area’s pricing from 2016 (the year before Harvey) through 2019 (two years post-Harvey) and compared the following:
- Median home price
- Median home price per square foot
- Median land value
- Median land value per square foot
Based on our analysis, we found out that homes in the areas that did very well during Harvey grew their median price per square feet by 15% between 2016 and 2019.
On the other hand, homes that were located in the regions that flooded declined their value by 6%.
As you can see in the image above comparing home prices in flood prone neighborhoods to areas that are not flood prone, a homebuyer can be 20% worse off if they buy a home from the areas that flooded, based on our analysis.
We also looked at land value, since it’s a better indicator of property value. Our findings show that the average land value of areas that did well during the flooding in Harvey appreciated by 25% from 2016 to 2019.
On the other hand, the average land value of areas that flooded declined by 7%.
That’s a nearly one-third performance difference!
What does this mean?
This means that, if you compare flood prone neighborhoods to areas that are not flood prone in Houston, there was a 31% difference in appreciation rates over the prior three years, based on our analysis.
As you can see, even two years after Harvey, the impact of flooding has materially impacted average resale values within the neighborhoods that experienced heavy flooding, creating a huge, almost one-third difference between flooded and non-flooded areas.
If you want to know the eight other factors that materially impact a home’s resale value, or if you are concerned about buying in a flooded area and are worried about your home’s resale value, contact us so we can give you recommendations.
Harvey damaged 204,000 homes. Over 75% of these properties were outside of the 100-year flood plain (defined as the region with a 1% annual chance of flooding). Many of these homeowners did not have flood insurance. Home buyers should understand the risks of buying in a flooded plain so you can determine if those are appropriate risks your family is willing to take on.
Houston is no stranger to major flooding events, but Harvey was so unprecedented in its intensity and scale that Houstonians simply were taken aback. One of the costliest tropical cyclones in the United States, Harvey—considered a 1,000-year flood event—inflicted $125 billion in damages and dumped more than 51 inches of rain onto a city unprepared for a disaster of that magnitude.
After Harvey hit, the Federal Emergency Management Agency paid out $378 million to 738,000 people and delivered 80 tractor-trailers full of food and emergency supplies to thousands of people who had to be rescued from flooded homes and moved to shelters and temporary housing.
Weeks later, almost 4,000 homes still had no power, 27% of schools had to be closed due to flood damage, and 50 water systems and wastewater systems had to remain down.
It is estimated that the hurricane damaged 204,000 homes, ruined 1 million vehicles, affected 13 million people, and killed 88.
Concerningly enough, 20% of new homes being built in Houston one year after Harvey is in a flood plain. Another 260 plats that were being developed are in flood zones, posing a big risk to homebuyers.
The risks of buying Houston flooded homes are so big that many homebuyers are choosing to avoid Houston’s flooded zones altogether and are turning to tools like FEMA flood maps to check for areas that flooded during Harvey.
When homebuyers enter the house’s address or the neighborhood where the house is located, FEMA’s interactive flood zone map will display flood hazard information and show if the house they’re planning to buy is located in a flood prone area.
You can check the FEMA Flood Map Service Center for yourself, or you can contact the best realtor in Houston to help you avoid buying a home in an area that flooded during Harvey (and during all other major flooding events as well).
Homeowners in flooded neighborhoods saw their home prices and land values drop after Harvey. Get the advice of an expert Realtor to guide your home buying experience – avoid future tragedies!
Immediately after Harvey, many of our clients came to us and asked, “Will Houston home prices drop after Harvey?”
We tell them that, technically, the answer is yes.
We saw that the Houston housing market after Harvey really did take a beating. 2018 was a down year for areas hit hard by flooding. Things have stabilized in many neighborhoods this year, but their sales data are still down from 2 to 3 years ago.
For instance, last year, homes in Meyerland sat on the market for over five months before going under contract. The Meyerland market saw double digit (-11%) price declines both for home and land values.
Other areas that experienced flooding like Energy Corridor (-6%), Bellaire (-7%) and Memorial West (-10%) are also struggling and saw material price declines.
Cypress numbers are more positive. Jan-Jun 2019 single-family home sales in Cypress are up 3% even if the median land value (a better indicator of property value) is down 19%.
At first glance, the Cypress home sale numbers seem to be in line with the general trend that points to sales percentages going up. Even the areas above that experienced flooding are recording positive growth in terms of sales this year.
However, the increase in Houston home prices after Harvey are mostly due to two things:
1. The numbers for those areas are being stacked against the already-low percentages from the year before.
2. Houston’s real estate is hyper local.
When you look at the general trend of sales percentages going up, you also have to take into account the local data used to measure against it.
Let’s take a deeper look into this.
Take, for example, the fact that Houston gained 91,689 residents last year. The city is basically adding “one new Sugar Land” every 365 days. More people means higher demand for houses.
Houston’s economy should also add 71,000 new jobs this year. Oil and gas exports are growing at an exponential rate, with the Gulf Coast being the primary beneficiary for decades to come.
Around $5B worth of health-care related projects are currently underway in the area, and health care jobs are projected to double within the next decade. The Medical Center is already the world’s largest medical complex with more than 60 institutions, 106,000 employees, and 10 million patients each year.
Looking back at the general trend of increased sales percentages, we can speculate that the number may only be up because the data from the year before is far worse. Or if the trend is for an entire area, the number may only be up because one section is boosting the numbers for the entire region.
Another factor that may be causing the increase in sales percentages are the price cuts that are being implemented in an attempt to sell or lease more homes.
It’s a problem that we’ve been seeing a lot, and we believe it’s two-fold:
1. First is that Houston’s city council passed onerous regulations for any new permits in flood prone areas. Many builders and major remodelers we’ve talked with expect their costs to increase by 15-25% in these areas.
2. The second issue is that we expect a large number of Harvey-flooded-and-then-renovated homes to start hitting the market over the next 6 months.
Some of these will be done by reputable builders, but many won’t have remediation certificates, quality construction, or strong warranties.
This will make determining fair value difficult between non-flooded homes, flooded-and-well renovated and flooded-and-poorly renovated homes.
In addition, many builders in these areas have set their list pricing based on their cost plus the “amount of money they need to make.”
This means a lot of homes that go on the market are overpriced to begin with—these properties tend to stay on the market longer. The longer a property sits on the market, the harder it becomes to sell.
Contact us for data on people, companies and investors who are buying homes in flooded zones, fixing them up and reselling them. In general, families should be sure to perform proper due diligence on any “rehabbed” properties (and we have comprehensive due diligence checklists).
While it’s true that home prices and land values have declined in the Houston neighborhoods affected by the flooding, it’s also true that forecasts for the Houston real estate market post Harvey are starting to look promising again.
We predict that there will be a 2.8% growth in Houston’s real estate market, and this is due to several factors:
More demand for rental properties
A lot of homeowners have been renting out their houses that were damaged by Hurricane Harvey, while investors are taking advantage of the rental market to earn from homes they don’t plan to live in.
Both of these are contributing to an 83.6% increase in leases for single-family homes over a 365-day period, and as much as a 92.2% increase in leases for townhomes and condos year-over-year.
The average rent has also increased to 7.9% for a single-family home, and 5.4% percent for townhomes and condos year-over-year.
Increase in condo sales
New home buyers who are moving to Houston for the first time are choosing to live in a protected building – like a condo – instead of in a single family home. On the other hand, Houston residents who already know what it’s like to be flooded don’t want to have the same experience, so they’re making the choice to buy a condo that’s away from bayous or flooded areas.
This behavior has caused the condo market to go up by 5.8%, with 543 units selling during October alone.
A preference towards updated homes
We looked at 86,557 single-family homes that sold the past 10 years with the words “updated,” “upgraded” and “renovated” in their property descriptions.
The sales data cover Close In Houston (areas 4, 9, 16, 17, 22, 23, 24) and main suburbs (Cypress, The Woodlands, Sugar Land, Katy, Friends, Pearland, League City, Richmond, Spring, Humble, Kingwood, Clear Lake and Stafford):
Median Land Value/Sqft
10 Year Appreciation: 36%
5 Year Appreciation: -3%
Total # Of Homes Sold:
2018 (full-year): 2,135
2019 (Jan-Jun): 1,190
Median Land Value/Sqft
10 Year Appreciation: 7%
5 Year Appreciation: 135%
Total # Of Homes Sold:
2018 (full-year): 10,340
2019 (Jan-Jun): 5,285
Based on the numbers, properties defined to have been “upgraded,” “renovated,” and “updated” have overall positive year-over-year and long-term growth.
Renewed interest in homes and neighborhoods that didn’t flood
With the memory of Harvey and the recent flooding still fresh on everyone’s mind, buyers are generally more wary and more informed about the risks of buying properties in flood-prone areas.
They are now using flood plain maps and are specifically searching for neighborhoods that didn’t flood, making those areas a prime spot for people looking to buy a new home in Houston.
However, as we consistently tell our clients, one of the few reliable trends in Houston real estate is that there will always be a flight to quality.
Homes in good locations (close to major job centers, zoned to top ranked schools, outside primary flood zones, not adjacent to railroads or major roadways) have proven to perform well (and will continue to do well).
In contrast, we believe homes in disadvantaged locations will struggle as builders keep adding inventory to awkward lots, and as continued development of the city make Houston more prone to flooding and traffic congestion.
Smart buyers know that even if an area has a history of flooding, there are pockets of neighborhoods and subdivisions that remain relatively flood-free. There are good deals to be found in these locations as the general trends affect how much the seller/builder can price the home.
In fact, these locations are even seeing a surprising number of people who are specifically looking to buy flooded homes in Houston.
An increasing number of investors are snapping up damaged homes at low prices, buying some of them for as low as 61% off the value that they had before they got inundated by Harvey.
Homeowners who are stuck with a house they can’t live in while still paying for a mortgage and for taxes and utilities in a neighborhood that looks increasingly like a ghost town will especially find this arrangement appealing. The choice, for them, is either this or be stuck with a lemon while seeing their finances go down the drain.
The positive forecast for the housing market in Houston shows that now is a good time as any to buy homes. Add to that the fact that there are fewer buyers in the market today because they are either affected by the flooding and can’t carry two mortgages, are unwilling to relocate, or are paralyzed by uncertainty.
Insurance rates on homes in floodways, flood pools, and 100-year flood plains are usually higher. Contact us for recommendations on great insurance agents to help you navigate the best insurance for your family.
The Houston real estate market post-Harvey holds a lot of potential for homebuyers and investors alike, making home purchases an attractive option in spite of all the flooding events that the city has experienced in recent years.
But with several areas of Houston being designated as flood prone areas, how do you avoid Houston flooded zones? How do you make sure that you don’t buy a home that has been flooded?
The Houston Properties Team has compiled a list of tips that can help you do your due diligence on flooding history before buying a home in Houston.
1. Check FEMA flood maps to see whether the neighborhood you’re considering is a flood-risk zone or not
The Federal Emergency Management Agency has an online Flood Map Service Center where you can enter the address of the home you’re eyeing and it will show you if the neighborhood is a flood prone area or not.
Flood maps, however, change over time, which is something that you should keep in mind if you rely on a Houston flood map zone as your source of flooding information. As FEMA itself says on its website,
“FEMA flood maps are continually updated through a variety of processes. Effective information that you download or print from this site may change or become superseded by new maps over time.”
Some Houston neighborhoods might not register as a flood-prone area on the maps today, but that can change over the course of a few months or years. A home that was originally in a “low-risk” area might not meet the standards that were set for the new flood zone, and the home might suddenly be designated as being in a “high-risk” area.
Also, keep in mind that the flood maps from FEMA are based on a general study of a large area and may not be totally accurate for individual properties.
The proximity of dams or reservoirs to your chosen home will be a major factor as well. A particular home may not have flooded during Harvey, but the presence of dams or reservoirs nearby may actually cause it to become flooded in case another tropical cyclone comes along—and the cyclone may not even need to be as strong as Harvey to cause a high amount of damage to that home.
2. Get a survey
Hire a qualified and licensed surveyor to conduct an elevation and flood survey that will determine if the property has been accurately designated to a flood zone. Remember, flood maps continually change and are not always accurate for individual properties.
A survey will also have the added benefit of producing a Flood Elevation Certificate that can help you with flood insurance. If it shows that the structure of the home is located above the base flood elevation, you can use the certificate to request for a removal of the property from the designated flood zone and relieve you of the need to pay for flood insurance.
If, however, the certificate shows that all or part of the structure falls below the base flood elevation, you can use the data on it to help flood insurance companies accurately determine the amount of your premiums.
3. Consider getting a flood insurance policy
FEMA’s Flood Map Service Center has this to say about flood insurance:
“Whether you are in a high risk zone or not, you may need flood insurance because most homeowners insurance doesn’t cover flood damage. If you live in an area with low or moderate flood risk, you are 5 times more likely to experience flood than a fire in your home over the next 30 years. For many, a National Flood Insurance Program’s flood insurance policy could cost less than $400 per year.”
As with any type of insurance, flood insurance policies are those you hope you’ll never get a chance to use, but once your house gets flooded, you’ll realize that you’re glad you had them in the first place.
However, it’s always good practice to read the policy carefully, since flood insurance doesn’t cover everything. Temporary housing isn’t covered. So is damage stemming from mold, moisture or mildew and damage to currency, stock certificates, precious metals, and belongings outside the home.
And keep in mind that Houston flood-prone areas will generally result in higher insurance premiums and lower resale value, which is why it’s generally advisable to get a home in a low-risk area instead.
4. Research water levels and flood stages in the bodies of water near the home
According to the National Weather Service (NWS), a flood stage is:
”An established gage height for a given location above which a rise in water surface level begins to create a hazard to lives, property, or commerce.”
The NWS website provides a color-coded map where you can see the current river levels or flood stages for more than 9,000 gages in the entire country. Some sites on the map even show water level forecasts for the next several days.
You can use this information to determine the likelihood of flooding that will be caused by those bodies of water near the home you’re looking at, and can make decisions based on that.
5. Ask your future neighbors about the neighborhood’s, or the home’s, flood history
As I mentioned previously, one common problem that homebuyers face are listing agents who don’t always tell the truth about the property they’re selling, choosing to market the property as DID NOT FLOOD even though it’s not totally accurate.
Oftentimes, the best people who can tell you about a home’s flooding history are those who live beside it. Ask your potential neighbors if the claims your listing agent is making are real, and if the house indeed flooded, ask them how high the water was. Ask them as well if they’ve seen any renovation or rehabilitation work being done on the house, which is another good indication of the extent of the flooding that the house has experienced.
People who’ve lived in the area long enough can also oftentimes be more knowledgeable than listing agents about the area’s propensity for flooding. An entire neighborhood, or a particular property, may not have flooded during the most recent hurricane but received a beating from the one before that. “Old-timers” will usually possess this knowledge, and it will be to your advantage to politely interview them about it.
6. Talk to an expert real estate broker
An expert real estate professional who knows Houston neighborhoods like the back of their hand can help you avoid buying in a flooded area by providing you with details that may not have come up in your research.
For example, a good indicator of whether a property is located in a flood-prone area or not are home prices and land value. Homes in areas that didn’t flood usually appreciate in value compared to homes in areas that did flood.
A reliable broker can provide you data on home prices and land appreciation rates in the area, and whether they have been increasing or decreasing. This will allow you to see the trends in a given neighborhood and help you deduce if flooding has been a contributing factor to those trends.
Your broker can also advise you on zoning and environmental regulations, some of which may have contributed, and might continue to contribute, to flooding problems.
The updated Texas Seller’s Disclosure and associated TXR 1414 Form (effective as of September 2019) has a new section with nine detailed questions. This breakout provides excellent insight into a homes water penetration/flood history. While it is mandatory, not all sellers/listing agents are properly completing the data. Get the advice of the best realtor in Houston to help guide you on disclosure forms.
When buying a home, especially in areas with a history of flooding, it’s always good practice to review disclosure forms to ensure that you are well-informed about any and all issues with owning the home.
The updated Seller’s Disclosure Statement requires that sellers complete the following questions about their home:
Are you (Seller) aware of any of the following conditions?*
(Mark Yes (Y) if you are aware and check wholly or partly as applicable. Mark No (N) if you are not aware.)
- Present flood insurance coverage (if yes, attach TXR 1414).
- Previous flooding due to a failure or breach of a reservoir or a controlled or emergency release of
water from a reservoir.
- Previous flooding due to a natural flood event (if yes, attach TXR 1414).
- Previous water penetration into a structure on the Property due to a natural flood event (if yes, attach
- Located ( ) wholly ( ) partly in a 100-year floodplain (Special Flood Hazard Area-Zone A, V, A99, AE, AO, AH, VE, or AR) (if yes, attach TXR 1414).
- Located ( ) wholly ( ) partly in a 500-year floodplain (Moderate Flood Hazard Area-Zone X (shaded)).
- Located ( ) wholly ( ) partly in a floodway (if yes, attach TXR 1414).
- Located ( ) wholly ( ) partly in a flood pool.
- Located ( ) wholly ( ) partly in a reservoir.
If the answer to any of the above is yes, explain (attach additional sheets as necessary).
Terms used and their meanings:
“100-year floodplain” means any area of land that:
(A) is identified on the flood insurance rate map as a special flood hazard area, which is designated as Zone A, V, A99, AE, AO, AH, VE, or AR on the map;
(B) has a one percent annual chance of flooding, which is considered to be a high risk of flooding; and
(C) may include a regulatory floodway, flood pool, or reservoir.
“500-year floodplain” means any area of land that:
(A) is identified on the flood insurance rate map as a moderate flood hazard area, which is designated on the map as Zone X (shaded); and
(B) has a two-tenths of one percent annual chance of flooding, which is considered to be a moderate risk of flooding.
“Flood pool” means the area adjacent to a reservoir that lies above the normal maximum operating level of the reservoir and that is subject to controlled inundation under the management of the United States Army Corps of Engineers.
“Flood insurance rate map” means the most recent flood hazard map published by the Federal Emergency Management Agency under the National Flood Insurance Act of 1968 (42 U.S.C. Section 4001 et seq.).
“Floodway” means an area that is identified on the flood insurance rate map as a regulatory floodway, which includes the channel of a river or other watercourse and the adjacent land areas that must be reserved for the discharge of a base flood, also referred to as a 100-year flood, without cumulatively increasing the water surface elevation more than a designated height.
“Reservoir” means a water impoundment project operated by the United States Army Corps of Engineers that is intended to retain water or delay the runoff of water in a designated surface area of land.
More About Paige MartinTop Realtor In Houston
As featured on Fox News in the Morning, Houston Business Journal, and Houston Chronicle, Paige Martin, a consistent Top Producing Broker-Associate and head of the Houston Properties Team, is ranked amongst the top Keller Williams agents in the United States.
Paige Martin is ranked as one of the top residential real estate agents in the world.
A Houston-area native, Paige is an experienced, successful partner in any residential real estate transaction. Armed with a local perspective of the city & a deep knowledge of Houston real estate market, her skills have marked her as one of the most sought-after agents in Houston.
Upon graduation from Baylor University, Paige launched a career as a marketing consultant, developing customized marketing plans and strategies for her clients. She now uses those professional marketing skills to help her real estate clients find and sell their homes.
When working with home sellers, Paige employs individually-tailored, cutting-edge techniques to gain her clients the most value in the shortest time.
She is also an ideal partner for buyers, helping them make informed home-buying decisions with the least amount of stress.
Paige is passionate about her work, her clients and her city. Her attention to detail and excellent communication skills make her the perfect choice for those looking to buy or sell a home in Houston.
In addition to her robust real estate career, Paige was appointed by Houston’s Mayor Bill White to serve on the Board of Directors for the Downtown Redevelopment Authority and Tax Increment Reinvestment Zone #3 (TIRZ), where she volunteers her time as a Chairman of the Housing Committee, as well as a member the Budget & Finance Committee. Paige also serves a variety of non-profits, civic and community boards and has been recognized for fundraising by the Houston Police Foundation.
A member of the National Association of Realtors, Texas Association of Realtors and Houston Association of Realtors, Paige has served on the Houston Association of Realtors MLS Advisory Group, in which she volunteers on the TEMPO Task Force and the CMA Task Force. Paige is also the co-chair of the Keller Williams Realty – Memorial Office’s Luxury Homes Committee.
Paige Martin is a customer-focused Houston Realtor (member of the National Association of Realtors) dedicated to providing exceptional service. Paige and her team guide clients through all aspects of learning about Houston, relocating to Houston, buying a home, buying a highrise or condo, tips for selling your home and ensuring that your transaction goes as seamlessly as possible.