Brian’s information above is spot on. I am not sure why you are “concerned” unless you feel it’s going to hurt your resale or you’re going to flood during a storm? If you have a bank loan you most likely will be required to get flood insurance (could be $1K a year in addition to your regular insurance). I had the same issue backing up to a wetland area that was filled in to build the home. I went through the FEMA petition process submitting the survey I got from the home closing (FEMA outlines the required documents), etc. FEMA reduced my flood zone (hazard rating) based on my petition. During Helene the wetland in the back got fairly full but did not impact my yard.
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I will say the things that others are probably thinking but afraid to say.
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