This FEMA Map Could Save You Thousands - Flood Zones Explained
In this episode of Let’s Talk Chattanooga Real Estate, host Blake Watson demystifies the often misunderstood topic of flood zones and flood insurance. From FEMA flood maps to elevation certificates and building restrictions, Blake breaks down what homebuyers, sellers, and builders need to know when dealing with properties in flood-prone areas across Chattanooga and Northwest Georgia. He also shares local flood history, how infrastructure like the Brainerd Levee came to be, and how smarter development is reshaping the region. Whether you're buying, building, or simply trying to understand your property's flood risk, this episode is packed with practical advice to protect your investment and your peace of mind.
Host: Blake Watson, Epique Realty
Topics Covered:
* What flood zones are and how FEMA categorizes them (Zone A, AE, X, floodway)
* How to find your flood zone online via FEMA’s Map Service Center
* The importance of elevation certificates and how to get one
* Chattanooga’s flood history from 1867 to recent events in 2019
* Key local flood zones like South Chickamauga Creek, East Ridge, Brainerd
* Floodplain construction rules: minimum elevation, no basements, flood vents
* Flood insurance basics under FEMA’s Risk Rating 2.0 system
* Pros and cons of private flood insurance options
* Mortgage and resale considerations for homes in flood zones
* How local governments use smarter development and FEMA grants
Key Takeaways:
* Even low-risk flood zones can pose serious risk as 40% of claims come from these areas.
* An elevation certificate can save thousands on insurance and help with resale.
* Building in a flood zone is possible but comes with strict requirements and added costs.
* Local infrastructure and development policies are critical in managing future flood risks.
Contact Blake Watson with Epique Realty, licensed in Tennessee and Georgia.
Phone: 423-315-1815 (mobile), 888-893-3537 (office)
Website: www.AtHomeChattanooga.com
Facebook and LinkedIn - Blake Watson, Instagram - @RockNRollBlake
Subscribe to the podcast so you never miss an episode, and share this one with someone who’s thinking about buying or building in the Chattanooga area.