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July 26, 2025•2 min read

🚨 Houston Flood Zones & Mortgages: What Buyers Must Know 🌊

🏠 Buying in a Houston Flood Zone? Don’t Sign Without This Info 💡

🚨 Houston Flood Zones: Mortgage Considerations Before You Buy

If you're buying a home in Houston, there's more to review than school districts and commute times—flood zones could have a major impact on your mortgage and long-term costs.

🌧 Why Flood Zones Matter in Houston

Houston has a long history of flooding, with events like Hurricane Harvey highlighting just how vulnerable some areas are. That’s why understanding FEMA flood maps, Base Flood Elevation (BFE), and Zone designations (like Zone AE or Zone X) is critical.

💰 How Flood Zones Impact Your Mortgage

If the home you’re buying falls in a high-risk flood zone (like Zone AE or VE), lenders will require you to purchase flood insurance as a condition of the mortgage. That monthly premium can be hundreds of dollars—so it affects your debt-to-income ratio and potentially your loan approval.

In low-to-moderate risk zones (like Zone X), insurance is optional but still recommended. Some lenders may offer better rates or waive the escrow requirement for flood insurance if you're outside high-risk zones.

🧾 Required Documents & Lender Tips

When buying in a flood zone, you may need:

· A FEMA Elevation Certificate

· Updated Flood Zone Determination

· Proof of active Flood Insurance

· Documentation showing compliance with local building codes

🛠 Can You Avoid Flood Zones?

Yes, but not always. In competitive markets like Houston Heights, Katy, or Meyerland, flood risk doesn’t always stop buyers. Instead, smart buyers:

· Budget for insurance premiums

· Invest in mitigation (like flood vents or elevating the home)

· Work with a mortgage broker to explore lender flexibility

🧠 Pro Tip: Use a Broker

Some lenders take a hardline approach to flood zones, while others are more flexible depending on your down payment or property use. Working with a mortgage broker means you can compare multiple lenders and find one that best fits your risk tolerance and budget.

Conclusion:
Buying a home in Houston? A beautiful home in a risky flood zone might still be a smart buy—if you understand your mortgage obligations and insurance costs upfront. We’re here to guide you through every step. Reach out today for a free flood zone consultation!

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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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