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What Your REALTOR Isn’t Telling You About Flood Insurance

Navigating Florida real estate can be tricky, especially when understanding FEMA flood maps. This video clarifies how agents sometimes misrepresent information about flood zone property. Knowing if your structure is in flood zone X...

PublishedNovember 1, 2025
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Read time2 min read
Runtime1:24

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Source: YouTube captions (EN).

Navigating Florida real estate can be tricky, especially when understanding FEMA flood maps.

This video clarifies how agents sometimes misrepresent information about flood zone property.

Knowing if your structure is in flood zone X can save you on flood insurance in Florida and reduce property risk.

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Navigating Florida real estate can be tricky, especially when understanding FEMA flood maps. This video clarifies how agents sometimes misrepresent information about flood zone property. Knowing if your structure is in flood zone X…

Navigating Florida real estate can be tricky, especially when understanding FEMA flood maps. This video clarifies how agents sometimes misrepresent information about flood zone property. Knowing if your structure is in flood zone X can save you on flood insurance in Florida and reduce property risk.

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Navigating Florida real estate can be tricky, especially when understanding FEMA flood maps.
This video clarifies how agents sometimes misrepresent information about flood zone property.
Knowing if your structure is in flood zone X can save you on flood insurance in Florida and reduce property risk.

This page keeps the video searchable on-site, with a direct YouTube source at youtube.com/watch?v=jl5N1aNYStY.

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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] I've noticed a lot of agents actually misrepresent a property. When you go to look at the FEMA flood map, which I do for every property I look for, you have to look at the zone and the map. So, the actual structure of the house needs to be in zone X, which is not a flood zone. There are times where the flood zone

[00:15] line actually curves through and you might have part AE and part X within your same lot. As long as your building is on zone X, you don't have to pay for flood insurance. And I see so many agents who get this wrong because they put AE because they want to be safe and they want to overdislose, but that's not

[00:31] going to affect their insurance. So why do that and it won't pop up on searches and all that stuff. So you really miss out if you're listing your property as a zone AE when it's the structure is within an X. And so anyway, we spot those things. We make sure that we have [snorts] your we're looking at

[00:46] properties that fit what you're looking for. If you're okay with AE, that's great. There's a lot of opportunities out there. But if you're looking for zone X, double check the FEMA map. If you're really worried about flood stuff, I think we're at a great point in time right now where we just went through

[00:59] just a year ago, we went through two historic hurricanes with records amount of rainfall. And so we were able to determine really and sellers have to disclose if properties flooded from those hurricanes. So if you're with an X and it flooded now, you know, if you're with AE and the property did not flood,

[01:15] then that's actually really good. And perhaps, you know, you still have to pay for flood insurance, but the [music] risk is really, in my opinion, uh lowered quite a

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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.

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