Marietta, Oh, on the Ohio River. Front St. Putman St, Harmar all subject to river flooding. We found a house we liked on 2nd. St. That was the year FEMA raised flood ins. from $400/yr to $2000/yr. I figured we could afford the mortgage or the ins. So we didn't buy that house, even though there was no historical record of that house or that neighborhood getting flooded. FEMA raised the premiums because of flooding along the Missouri River.
We have a river lot in WV, on the Little Kanahwa. We bought it in 1995. Until 2017, it had not flooded, and our neighbors down there parked their boats, docks, etc. on our lot when there was a threat of high water. In the early 2000s, we decided to put a used mobile home on it. We asked all of the entities we had to work with and everyone said it was fine. After we got the mobile home in place, anchored by a pro, and paid the costs asscoiated, a Wood Country FEMA rep started leaving notices on the door that we were in violation of flood plain laws. We ended up having to meet with the Wood County Commissioners who were sympathetic, but insisted the mobile home either had to be placed 8 ft above the 100 year flood stage, or moved. We sold it at a loss.
In the meantime, out property taxes on our longtime home has had a surcharge attached to pay for watershed expenses associated with the Muskingum River watershed, which doesn't affect our property at all, but in the interest of fairness has been added to every property owners' taxes in the watershed counties.
I'm over the fantasy of living on the water. The river lot has flooded twice since 2017, and the neighbors pull their boats, docks, etc up the hill to higher ground. Yay, global warming. The lot is improved, but I don't have anything on it.
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