Quote:
Originally Posted by Rocksnap
I’ve been told 1000 times TV would not be able to build in a flood zone, unless they did something to take that designation off. And it would just take time for the designation to be removed. Until then, I had 2 flood insurance options from my insurance company, USAA. USAA does not itself carry flood insurance. But they did steer me to 2 available sources thru them. FEMA was one, a no name aftermarket company was the other. The difference between the two? No name has no garantee it will still be solvent, have the money, if the need ever presented itself. Both were the same price @ $1400 annually. My neighbor used Lloyds with a much lower cost, which I will look into when my 1 year policy is coming to an end. Hoping TV entices FEMA to change their maps soon.
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As I said in my post above, you can have the designation removed yourself. I did it. Here is the text from the email Citizens sent me with some explanation on how to do it. Getting the documents is a bit of a pain. But 90 days later I didn't need flood insurance...
"Use the link below to apply for a LOMA. I have attached the survey and the elevation cert. (Citizens attached my survey and elevation but you can find them online. There are other docs you may need as you fill out the application).
Please read the information below carefully.
https://hazards.fema.gov/femaportal/onlinelomc/signin
You will need to create a profile, and I have attached the required documents. There will be no fee for the LOMA (Letter of Map Amendment).
LOMC application online : When FEMA asks if you placed fill on the land or plan to place fill, you need to answer NO. That’s the answer that will allow the FEMA system to select LOMA / NO FEE application. If you answer YES, then it defaults to the LOMR application, and will charge you and ask for the Community ACK
Upon receipt of the document indicating you are in a X zone, please forward the copy. We will order a new determination to show the X zone, and we can begin the process for the flood removal from escrow.