There are three websites that are useful in learning more about flood zones, flood insurance, which can be very important when buying a house. If the seller does not have a mortgage or does not have a govenment-backed mortgage, they may not know that their property is in a special flood hazard area and, therefore, are not able to disclose it. These websites will provide information on the properties. However, your insurance provider is the subject matter expert for definitive answers.

www.floodsmart.gov – sponsored by FEMA. Provides the flood risk category for a residential property.

http://www.harriscountyfemt.org/ – for Harris County, TX. It’s excellent. Enter the subject property address in the upper left-hand corner, and the results is a wonderful map.

http://www.txchart.com/counties.aspx – Choose your county. This site, at this point, is targeting the coastal counties, including Harris County, and focuses more on the upcoming zone and base elevation changes.

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