Flood AE Zone

Member since 2026 · 1 post · 0 votes

I am a brand new buyer seeking my first home.
I am seeing a lot of cheap options in Keansburg, which I assume is because of the flood zone… is it worth it to buy a home that has such a high flood risk, or should I keep waiting/hoping to find someplace in Red Brick or more inland?
Just curious for people’s thoughts. Jean

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Chris SeveneyBusiness Member
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Investor · VA · Member since 2015 · 21k+ posts · 19k+ votes
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The answer is, it depends. If you are getting it for a good price, and depending on location and risk of a flood, that will weigh into many factors. Also need to evaluate what the annual insurance is on the property to get a better understanding of the overall cost of owning the property. I have owned properties in a flood zone, and I've never had issues, but I also know people who have and have had serious issues.
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Lauren CutchenBusiness Member
Real Estate Agent · The Woodlands, TX · Member since 2019 · 226 posts · 85 votes
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@Jean flood zone pricing can look like a bargain until insurance and the next storm hit. I'm in the Houston area, and we've learned the FEMA map isn't the whole story — history and elevation matter as much as the letter on the map. Before you buy in AE, get a real flood quote (not a guess) and underwrite the payment with that premium locked in. If the inland option costs more up front but the all-in monthly is lower and less stressful, that often wins.
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