Whether you are in a high risk zone or not, you may need flood insurance because most homeowners insurance doesn't cover flood damage. If you live in an area with low or moderate flood risk, you are 5 times more likely to experience flood than a fire in your home over the next 30 years. For many, a National Flood Insurance Program's flood insurance policy could cost less than $400 per year. Call your insurance agent today and protect what you've built.
Gail Jardin wrote:So I went to the cabin today and checked it out! The electric was much more finished than I had thought. The cabin is fully wired but does not have the circuit pannel hooked up. There are basically lights and sockets throughout the place! There is also an outdoor outlet right at the power box that my bus could plug into. Plumbing is non existent and the owner does not think rural water goes there. I don't think I can afford to have a well dug any time soon. Maybe using my bus as a shuttle to bring water to the lot and filling an even larger water tank might work? There is a truck stop about a mile from the cabin ( the truck stop is about five miles out of town).
The cabin is no where near finished and it is still a big project, but I don't think it's anything I can't handle. The interior has insulation and wiring, there are posts but no walls inside. It is six hundred square feet and has an area that one porch i soff of that would easily make a kitchen with a woodstove, and there is another area that could easily be set up to be two small bedrooms. There is not really an area that could be made into a bathroom, unless a corner of the living room or kitchen was done to be one. I picture having a large water tote with a pump outdoors (but how could I heat it?) and having greywater from that and using a composting toilet so we don't have blackwater iissues.
A neighbor stopped and chatted while we were there and said the cabin is on a flood plane, there is a small stream a bit down hill from the cabin and on the other side there is woodlands. That is a huge red flag for me, except the cabin is on two foot blocks and has a deck and stairs leading up to it. The owner says it gets marsh but doesn't actually flood. I know it gets 'bad' here every few springs but I'm not sure if it's something to worries y about. I know the conservation land near my apartment flooded underwater for a couple weeks two years ago. There are plenty of morels, watercress, nettles, raspberries, etc growing now, but would that type of thing destroy perennial herbs that are non native? As long as were lucky enough for it to not flood and get marshy the first couple years I can imagine starting a few fruit tree dyads on the cleared area.
Gail Jardin wrote:Wow, they replied fast. Thank you for the information. Please be aware appraised value that's not necessary indicate the true value of the property just as the house I live here in town has the appraisal value but that does not indicate the true sayland property value but thank you for the information
Hmm, I thought the appraised value was the approximate market value of a property, including land and improvements. I do not like the way they are making me feel bad about not buying the quater acre with a partial cabin on it when it was advertised as something else. Especially since when we walked the property he pointed out how the windbreak trees on one side were his property and the RV slab would be perfect for my bus etc.
Gail Jardin wrote:
A neighbor stopped and chatted while we were there and said the cabin is on a flood plane, there is a small stream a bit down hill from the cabin and on the other side there is woodlands. That is a huge red flag for me, except the cabin is on two foot blocks and has a deck and stairs leading up to it. The owner says it gets marsh but doesn't actually flood.
James Landreth wrote:I'm one of the few people who would advocate for more, rather than less, land...