Yes, you can sell land that sits in a FEMA flood zone. The zone changes who will buy it and what they will pay, because it affects what can be built and what a lender will require. We look at flood-zone lots as they are and make a written offer with no obligation.
FEMA calls the high-risk areas on its maps Special Flood Hazard Areas: land that would be flooded by the flood with a 1 percent chance of happening in any given year. Zones that start with A or V are in that group. Shaded Zone X is moderate risk, and unshaded Zone X is minimal risk.
That label matters to buyers for two reasons. First, the U.S. Government Accountability Office explains that FEMA's National Flood Insurance Program requires homeowners with federally regulated mortgages to buy flood insurance for properties in high-risk areas, so a buyer who wants to build a home with a loan will price that in. Second, building in a mapped floodplain usually means checking with the county or city floodplain office about permits and rules first. Fewer buyers want that work, so the price usually comes down.
Not every buyer cares the same way. Someone who wants pasture, hunting land or a place to camp may not mind a creek bottom at all. Our guide on how to check if Texas land is in a flood zone walks through the map step by step.
Land Dreamz is a Texas real estate company that buys land and houses from owners who need a better way out. Our job is to give you a clear, honest option and the time to decide.
Yes. Land in flood zones sells. The zone changes what can be built and what insurance a lender will require for a building, so fewer buyers want it and the price is usually lower. Be honest with buyers about the zone and any flooding you know of.
No. It usually lowers the price, by how much depends on how much of the land is affected and what buyers want to use it for. Pasture, hunting and recreation buyers care less about a creek bottom than someone who wants to build a home on a small lot.
Sometimes. If FEMA's map puts naturally high ground in a high-risk zone, you can apply to FEMA for a Letter of Map Amendment through its online Letter of Map Change site. Land raised with fill uses a different request. A surveyor can tell you whether it is worth trying.
Texas's statutory seller's disclosure notice in Property Code Section 5.008 asks about floodplains and past flooding, but it is written for residential property with a home on it. Whatever applies to your sale, be honest about the zone, and ask a Texas real estate attorney what you must disclose.
We look at the land, the flood map, the public record and recent sales of similar land nearby, then subtract the cost and risk the zone adds. We show you the math in a written offer.
General information, not legal or insurance advice. Every situation is different. For advice on yours, talk to a Texas attorney or an insurance agent.
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