Dillon Cook
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Dillon Cook

Video - Buyer / General

Should I avoid flood zones?!

Considering buying a property? It's important to understand the property risk associated with the flood plain. Check the fema flood map to determine if it's in a flood zone house and factor in flood...

  • PublishedNovember 1, 2025
  • Text layerFull captions
  • Read time1 min read
  • Runtime0:37
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Source: YouTube captions (EN).

It's important to understand the property risk associated with the flood plain.

Check the fema flood map to determine if it's in a flood zone house and factor in flood insurance florida rates, and get home...

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Considering buying a property? It's important to understand the property risk associated with the flood plain. Check the fema flood map to determine if it's in a flood zone house and factor in flood…

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  • It's important to understand the property risk associated with the flood plain.
  • Check the fema flood map to determine if it's in a flood zone house and factor in flood insurance florida rates, and get home…

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Source: YouTube captions (EN).

Caption transcript. This text is pulled from YouTube captions and may contain minor wording errors.

[00:00] So, I look at flood zones for a lot of different properties. Everybody wants to avoid flood zones. And like, I totally get it. I wanted to avoid a flood zone as well when I first bought because I just don't want to have that worry in my head when a hurricane comes through or, you know, something that's unforeseen

[00:13] that destroys your [music] house. The thing is is that you might be able to get a better deal initially on a property within a flood zone and it may even have a better view because you're probably closer to the water, but [snorts] the insurance for that, the add-on for flood is insanely expensive.

[00:28] I do think that flood uh insurance and insurance overall is actually going down this year.

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How do I buy and sell at the same time?

It is a juggling act, but it is doable with the right plan. The key is timing your sale and purchase so you are not stuck paying two mortgages or left without a place to live.

Sometimes that means listing your current home first with a flexible closing date. Other times it means making the purchase contingent on selling your current home. There are also options like rent-backs, short-term rentals, or using equity to bridge the gap. I walk clients through each scenario and the numbers behind it.

How far in advance should I plan if I am relocating to Tampa Bay?

Ideally, start planning three to six months in advance. That gives you time to research neighborhoods, get pre-approved for financing, schedule home tours, and arrange moving logistics.

If you are selling a home in another state, I can coordinate with your local agent so the timing is more controlled and you are not stuck in limbo between closings.

How long does it usually take to close in Tampa Bay?

Most closings in the Tampa Bay area take 30 to 45 days from contract to keys in hand. Cash deals can close in under two weeks, while VA, FHA, and conventional loans often take closer to 45 days.

The biggest factors affecting the timeline are financing, inspections, repairs when necessary, and appraisal. I help keep the process moving by coordinating directly with lenders, inspectors, and title companies.

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