building near flood zone

[Adam Drummond]

i am looking at buying a 0.25 acre city lot near where i live.  the lot is partially sitting in a flood zone, but not where the driveway, or the build site will be.  i'd be buying this property to eventually build a spec house.  any advice on this?  thanks!

Adam

[Scott A Moore]

Good Morning Adam,

There are two things I would suggest. The first is to have this discussion with your insurance agent/broker. They may be able to give you some insight on ability and cost to insure. When building on this lot I would over engineer the home. Build it as if it were sitting IN the flood zone because sometime in the next hundred years it probably will be. I hope this helps.

Best.

Scott Moore