You have found your dream home it’s not next to a beach or river, however, that does not mean it isn’t at risk of flooding. Before you purchase, plug the house’s address into FEMA’s map database. Many FEMA maps are currently being redrawn, but existing ones can offer some insight into historical risk. Why? Depending on the flood zone, insurance premiums can vary by hundreds or even thousands of dollars annually.
To find out what it could cost you go to the National Flood Insurance Program website. Ask your sellers if they have installed any French drains or sump pumps this could offer insight that there might be an issue.