This house is right next to Ross creek. It has a FEMA zone of D meaning relatively safe and not requiring flood insurance. I read FEMA might be out of date, but it’s the one that gets used in disclosures and by lenders. However the house FloodFactor is 6/10 (the one that is shown on Redfin). This takes into account the current climate changes and future predictions at individual property level. Our real estate agent kind of insisted that we should not believe the redfin score and that’s just a new thing. We decided to pass , but just curious would folks here buy this house or skip given the recent rainfall this year and flooding. House: https://redf.in/a0ytTE TC: 300k YOE 4y
Anything near creek have risks of flooding - one of floods happen all the time due heavy rains, clogged creeks, snow melt etc etc. Near creeks are first to go. Also landslides (or embankment breaks) are common during heavy rains. Agents only need commission and would sell you anything. Buy what you think is right
Bought my house 6 years ago, intentional only looked at houses with nearly no risk of flood (over 100 feet, gentle gradient, not in a basin or adjacent to a creek)
I’d consider the Redfin FloodFactor score given it’s inclusive of the current climate. I avoided any that were >4/10. I didn’t want to be paranoid all the time and have to purchase flood insurance. Hell, with the recent rainfall, I already had to worry about my drainage system and sump pump!
Lol you should check every few months, it changes constantly and does not mean shit
flood factor is completely incorrect. it doesn't take into account human intervention to the land. FEMA does, there's a reason why every lender uses FEMA to determine flood insurance requirements. As a data point, my home in sf has 1/10 flood factor, yet it floods every strong rainfall recently. My colleague lives in Southbay with a 7/10 and no flooding
Ross creek drains almost nothing, FEMAs right, you're being silly. If you're looking at a piece of property that has a creek, you have to look at the headwater and drainage basin. Ross is a nothing creek that takes a tiny amount of runoff into the Guadeloupe.
Areas around Ross were evacuated in 2019 and this year as well. Just search for Ross creek flood in youtube
It's not the creek it's the culvert. The creek itself is not at risk of breaking the bank, it's at risk of flowing over the road because the culvert is undersized. Which is a maintenance risk not a climate one. Those houses aren't at risk.
You made the right call. Don't listen to your agent. They just want their commission..