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Posted by
John Peterson

Is there a database or way to look up if a home has previously been flooded prior to purchasing?

Does anyone know if there is any record/database or way to find out if a house has previously flooded? I know a seller is required to disclose it, but is there any record of it documented?

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Is there a database or way to look up if a home has previously been flooded prior to purchasing?

By John Peterson   
Posted on Dec 01, 2017 in Topic: General
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Does anyone know if there is any record/database or way to find out if a house has previously flooded? I know a seller is required to disclose it, but is there any record of it documented?
Status: Open
Viewed: 263
Asked by: Consumer
Posted: 2 weeks ago
Topic: General
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Ryan Kohn
about 2 weeks ago
Unfortunately there really isn't much other than relying on the current sellers disclosure. With that said, the disclosure is only regarding, "What the seller is actually aware of". So if you are looking at a home that may have flooded in Allison and current seller purchased after, they may or may not have actual knowledge of the previous flooding outside of what was disclosed to them when they purchased the home. If you are really concerned, the current owner of the home can call NFIP and request a full history of flood claims for the property. This will give a full history of flood claims filed, but must be ordered by current owner and will not show any previous flooding that was not claimed. If the current owner has flood insurance, your insurance provider will be able to search that current policy holder information. For a more extensive history the NFIP is the only option. Seller can call 866-395-7496.


Source:


https://www.fema.gov/media-library/assets/documents/130222#

about 2 weeks ago
Bronze
Yvonne Chauvin
about 1 week ago
Hi John,

The majority of home insurance companies contribute claims history information to a database called the Comprehensive Loss Underwriting Exchange, or CLUE. Underwriters use the information in a CLUE report to rate insurance policies.

You can also check newly updated FEMA flood map:
http://maps.riskmap6.com/TX/Harris/
It will not answer a question whether a house was flooded, but at least it will provide you with some resources.

I hope this helps.
Thank you,

Yvonne Chauvin, REALTOR
MCNE
281-686-0143
yvonnechauvin@yvonnechauvin.com


about 1 week ago
Bronze
James Conino
about 1 week ago
Hi John, If you are looking into a particular area or address I can provide you with a list of homes in that area that are currently for sale and its flooding status since Harvey. Since Harvey, agents that list homes must answer if the home flooded during that time. In addition, the Sellers Disclosure for most residential sales that is required by the Texas Real Estate Commission will indicate if the home was flooded while the homeowners were living there. Previous flooded homes would be available through a C.L.U.E. report that underwriters use to file previous claims. If you need to talk to an insurance agent underwriter let me know and I will connect you.


about 1 week ago
Silver
Christopher Dayanand
about 3 days ago
Hello John,

I just attended flood area changes class yesterday and someone did pose this question. Per instruction, there is no way to find out if a house got flooded and how many times unless the owner discloses it.

Chris
Coldwell Bankers
www.ChrisRealEstatePro.com
832.859.8698


about 3 days ago
Disclaimer: Answers provided are just opinions and should not be accepted as advice.
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