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Beach Haven West Flood Insurance | Hurricane Sandy | Beach Haven West Real Estate

 

 

Flood Insurance in Beach Haven West

Hurricane Sandy, which made landfall in Beach Haven West at the end of October 2012, raised many concerns about the cost of flood insurance and the impact insurance costs will have on the Beach Haven West real estate market. For both buyers and sellers in Beach Haven West, a complete understanding of flood insurance is an essential component to a successful real estate transaction.

 

 

 

Search the Beach Haven West Real Estate Market

 

 

What Is Flood Insurance?

Flood insurance is sold through local insurance brokers and is underwritten by the Federal Government. Changes to the national flood insurance program can only be enacted by an act of Congress and such an act was taken in September 2012 (about one month before Hurricane Sandy). Among the changes made were the removal of pre-firm pricing of flood insurance policies. This created a scenario by which many of the homes in Beach Haven West now faced a much higher cost of insurance.

Flood insurance rates are determined by a few key points. They are:

  • The flood zone
  • The elevation of the first flood above BFE (base flood elevation)
  • The number of flood vents in a foundation
  • The level of mechanicals above BFE
  • The elevation of the grade

All homes in Beach Haven West have a flood zone associated with them as well as a recommended base flood elevation. These are perhaps the most critical elements of determining the cost of flood insurance. When a home is below base flood elevation, the cost of insurance will be higher. When a home is above base flood elevation, the cost will be lower. If a home is below base flood elevation, it may be necessary to raise the home above base flood elevation to avoid higher costs of insurance. Below is a map outlining the different flood zones in Beach Haven West.

 

 

Beach Haven West Flood Insurance | Hurricane Sandy | Beach Haven West Real Estate

 

 

 

Beach Haven West Flood Insurance | Hurricane Sandy | Beach Haven West Real Estate

 

Beach Haven West Flood Zones

Flood zones are one of the first metrics used to determine the cost of flood insurance in the Beach Haven West real estate market. The flood zone assessed by FEMA will also determine guidelines for base flood elevations and building codes.

 

 

 

 

 

 

Beach Haven West Flood Insurance | Hurricane Sandy | Beach Haven West Real Estate

 

Elevation Certificates-What Are They and Why Do They Matter?

An elevation certificate is an essential part of the flood insurance rating process in Beach Haven West. This document will display key information about your house used to determine the cost of flood insurance.

 

 

 

 

 

 

Beach Haven West Flood Insurance | Hurricane Sandy | Beach Haven West Real Estate

 

Determining the Cost of Flood Insurance in Beach Haven West

There are many factors that are used to determine the cost of flood insurance in Beach Haven West. Here we will cover some of the most important items to be aware of.

 

 

 

 

 

 

Beach Haven West Flood Insurance | Hurricane Sandy | Beach Haven West Real Estate

 

House Raising and New Construction in Beach Haven West

House raising and new construction in Beach Haven West have become common place since Hurricane Sandy. There are a number of reasons why this may make sense for your Beach Haven West real estate transaction.

 

 

 

 

 

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Get Your Beach Haven West Home Search Started

Nathan Colmer

Contact Nathan

C: 609.290.4293 | O: 609.492.1511 | E: ncolmer@vandykgroup.com

 

 

Nathan Colmer

Sales Agent: 609.290.4293

The Van Dyk Group

12800 Long Beach Blvd

Beach Haven Terrace NJ

08008

Long Beach Island

609.492.1511