New FEMA Guidelines to take effect 2014


Gay Rosen's winter scene Larchmont Manor*Did you know that you could save more than $90,000 over 10 years if you were to build your home 3 Feet above the Base Flood Elevation (BFE) level?

*Did you know that  a history of (flood) claims could impact on future insurance rates?

*Did you know that approximately 25% of flood insurance claims arise form low to moderate flood risk areas?

” The base flood is a flood with a 1% chance of occurring in any given year. The BFE identifies how high the water is likely to rise (also called water surface elevation) in a base flood. The land area of the base flood is called the Special Flood Hazard Area, floodplain or high risk zone. ”  (FEMA Fact Sheet)

If you are living in a moderate to low risk zone, (zones beginning with the letters B, C or X)  you may not require an Elevation Certificate to determine the premium as the rates are not based on elevation.

For more information: – re: flood insurance, flood risk for homeowners


Mandatory Purchase of Flood Insurance  Guidelines Booklet:

Local companies that can assist in your flood insurance policies:

Lawley Insurance .com

to Order an elevation certificate:

Map Service Center:


Gay Rosen at Mamaroneck HarborSpeak to your Realtor before purchasing a home in a suspected flood zone. He/she will be able to direct you to insurance companies that will better answer your concerns and questions.

Westchester is GREAT!




About Gay E. Rosen

Gay E. Rosen is a Top Realtor in the Larchmont and New Rochelle (Lower Westchester) area. She is diligent, caring, driven and thorough (with a sense of humor).Utilize her expertise. Call her!
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1 Response to New FEMA Guidelines to take effect 2014

  1. Pingback: 2014 Real Estate Newsletter - "A Year of Promise & Potential" Gay E. Rosen - Larchmont and New Rochelle News

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