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Flood Zone Statement and Authorization - New Hampshire

Flood Zone Statement and Authorization - New Hampshire 2025

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The document is a Flood Zone Statement and Authorization that requires sellers to disclose whether the property is located in a flood-prone area as defined by the National Flood Insurance Act of 1968. Buyers acknowledge their awareness of the property's flood zone status and agree to obtain flood hazard insurance if the property is later determined to be in a flood-prone area. The document includes sections for seller and buyer signatures, addresses, and dates.

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Which documentation is acceptable proof of flood insurance?

A Policy Declaration page is acceptable evidence of flood insurance.

Can you build on a flood zone AE?

Building Regulations in the AE Flood Zone The elevation of your lowest floor must be at or above the zones BFE. 2. You cant use enclosed areas below your lowest floor or the zones BFE as living spaces, including basements.

Is flood zone AE expensive?

Zone AE flood insurance policyholders can expect to pay an average of $971 per year as of 2022. Like all forms of insurance, your premiums depend on various factors, such as the value of your property, its contents, and how many policy enhancements you wish to include as part of your package.

Should I buy a house in an AE flood zone?

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.

Is it a bad idea to buy a house in a flood zone?

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 with structural issues and mold infestation,4) Regular hazard

How bad is an AE flood zone?

AE flood zones are areas that present a 1% annual chance of flooding(opens in new window) and a 26% chance over the life of a 30-year mortgage, ing to FEMA. These regions are clearly defined in Flood Insurance Rate Maps and are paired with detailed information about base flood elevations.

Is flood insurance required in NH?

Anyone who applies for a federally-funded mortgage/loan or refinancing on an existing home in flood-prone areas will be required to carry flood insurance for the life of the mortgage/loan.

How to get a flood zone certificate?

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.

Flood Zone Statement and Authorization - New Hampshire 2025

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