🏡 Don’t Get Soaked! 🌧️ Must-Know Tips About Houston Flood Zones Before You Buy

🌊 Houston Flood Zones Explained 🏠 What Buyers Need to Know Before Closing!

May 31, 2025•2 min read

🌊 Houston Flood Zones Explained 🏠 What Buyers Need to Know Before Closing!

🏡 Don’t Get Soaked! 🌧️ Must-Know Tips About Houston Flood Zones Before You Buy

🌊 Flood Zones in Houston: What You Need to Know Before You Buy a Home

Buying a home in Houston? Before you fall in love with the granite countertops and spacious backyard, you need to ask an essential question: Is it in a flood zone? 🌧️

Houston is no stranger to heavy rainfall and hurricanes. In fact, flooding is one of the most common and costly disasters in the area. Understanding how flood zones work—and how they affect your mortgage, insurance, and long-term investment—is critical before you close on that dream home.

📍 What Are Flood Zones?

Flood zones are geographic areas defined by FEMA based on the level of flood risk. These zones help determine who must buy flood insurance and how much it will cost.

· Zone AE or VE – High-risk areas that require flood insurance if you’re using a government-backed loan.

· Zone X (Shaded or Unshaded) – Lower-risk areas. Insurance may be optional but still recommended.

· Zone AR or A99 – Areas with developing flood control systems.

📌 Pro Tip: Flooding can happen outside “official” flood zones. During Hurricane Harvey, 68% of homes that flooded were outside mandatory flood insurance zones.

💰 How Flood Zones Affect Mortgages

Lenders want to protect their collateral (your home). If your property is in a high-risk flood zone:

· You’ll be required to carry flood insurance.

· Your monthly mortgage payment may be higher due to added insurance costs.

· You may need elevation certificates or updated FEMA maps before closing.

Working with a knowledgeable mortgage broker can help you navigate flood zone requirements, avoid surprises at closing, and connect you with insurers who understand Houston’s unique landscape.

🧾 Can You Get a Loan in a Flood Zone?

Yes! In fact, many Houstonians do. But not all lenders treat flood zone properties the same. That’s where we come in.

At Medallion Mortgage, we work with a variety of lenders—giving our clients flexibility, competitive pricing, and guidance in complex scenarios like flood zone purchases. We help:

· Review FEMA maps & flood risk tools

· Coordinate with insurance providers

· Structure your mortgage to protect your budget

🧠 Final Thoughts: Be Informed, Not Afraid

Flood risk doesn’t mean “don’t buy.” It means “do your homework.”

If you’re buying in areas like Katy, Cypress, Meyerland, or near Buffalo Bayou, make sure you understand:

· Your flood zone designation

· What your insurance premiums will be

· How it affects your financing

👉 Ready to talk with a local expert who understands the ins and outs of Houston mortgages and flood zones? Let’s connect and protect your purchase.

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Bill Rapp - Commercial & Residential Mortgage Broker

Whether you're a first-time homebuyer, a seasoned investor, or a business owner with ambitious plans, securing the right financing is crucial. At Medallion Funds, we take the guesswork out of mortgages, offering a comprehensive suite of residential and commercial loan options to fit your unique needs. Looking for Your Dream Home? We understand the excitement and challenges of navigating the residential real estate market. Our experienced mortgage brokers will guide you through every step, from pre-qualification to closing. We offer a variety of loan programs to suit your financial situation, including: • Fixed-rate mortgages: Offering stability with predictable monthly payments. • Adjustable-rate mortgages (ARMs): Providing competitive rates for a set period. • FHA loans: Making homeownership accessible with lower down payments. • VA loans: Rewarding veterans with attractive rates and flexible terms. Investing in Your Business Future? Growth often requires capital, and we can help you unlock the potential of your commercial property. Our brokers specialize in a wide range of commercial loan options, including: • Purchase loans: Financing the acquisition of new buildings or land. • Construction loans: Facilitating the development of your project. • Refinance loans: Restructuring your existing mortgage for better terms. • SBA loans: Providing access to government-backed financing for qualified businesses. The Medallion Funds Difference: We go beyond simply finding a loan. We take the time to understand your goals and develop a personalized strategy. Here's what sets us apart: • Expertise: Our brokers have a deep understanding of both residential and commercial lending. • Competitive Rates: We leverage our strong lender relationships to secure the best possible terms. • Streamlined Process: We handle the paperwork, keeping you informed every step of the way. • Exceptional Service: We're committed to providing you with a positive and stress-free experience. Ready to Take the First Step? Contact Medallion Funds today for a free consultation. Let's discuss your financing needs and help you achieve your dreams!

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