Flood Zone Statement and Authorization - Virginia 2025

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A Policy Declaration page is acceptable evidence of flood insurance.
To get started, call your town or city government office and ask for the floodplain manager or the person who handles Elevation Certificates for that community. If you have trouble connecting with your local floodplain manager, you can contact your states floodplain management office.
While its true that Flood Zone AE is considered a high-risk area, with a 1% annual chance of flooding and a 26% chance over a 30-year mortgage, its not necessarily a deal-breaker. Heres why: Awareness and Preparedness: Properties in higher risk flood zones like AE are often more prepared.
Risks of buying property in a flood zone include:1) Living in a flood zone can decrease your homes value and make it harder to resell,2) costly flood insurance requirement for properties in flood zones, 3) If your home floods, youll have to deal
Start by contacting your local floodplain manager. They often work for your citys or countys building, permitting, engineering or land use department. Ask them if there is an elevation certificate on file for your property.

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Generally speaking, you can use a VA loan to purchase a home in a flood zone. However, the higher risk of flooding may mean that VA home loan lenders might require you to purchase an additional insurance policy to protect the home from the risk of flooding and the resulting damage.
A flood certification fee is charged to cover the cost of determining whether a property lies within a federally designated Special Flood Hazard Area (SFHA). This information is critical as it affects the necessity and cost of flood insurance, a requirement by lenders if the property is indeed within a high-risk area.

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