Ground Level Dwellings in Costal Flood Zone

[Stephen Janes]

I have been searching for a house hack & STR in Galveston Texas for a few months now. Most houses on the island are raised a few feet on piers to reduce the chance of flooding. However, some houses convert the area below the main house into living areas (picture attached) and some houses are even on slab foundations. I have seen properties for sale with streel level dwellings where the drywall is ripped out due to flooding. Because of this, I have made the assumption that I should avoid any property on the island that has a ground level dwelling, especially in a AE flood zone.

However, is this a good assumption? Please share your experience or advice on owning a property in an AE flood zone with ground level living areas.

Thanks,

-Stephen