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FEMA
prepares Flood Insurance Rate Maps ("FIRM") delineating flood risk
zones. Properties along the Long Island Sound are typically located
either in a
FEMA
"A" Zone, or "V" Zone, or both.
As depicted in the figure above,
FEMA
"V" Zones
reflect areas which are subject to flood waters with the greatest
velocity, i.e., closest to the Long Island Sound.
FEMA "A"
Zones are generally
located immediately landward from
FEMA "V" Zones.
Each Zone has special construction design requirements for structures to
be located within said area.
FEMA
regulations are designed to require vulnerable structures to be elevated
above the flood waters associated with a 100-year storm event, the "Base
Flood". FIRM maps depict the required Base Flood Elevation ("BFE")
associated with the designated
FEMA Flood Zone.
The paranthetical number shown with the designated
FEMA Zone
on the figure above represents the applicable Base Flood Elevation.
FEMA "A" Zone
Restrictions
In an "A Zone", the top of lowest habitable floor must be elevated above
the Base Flood Elevation ("BFE").
Areas below the
BFE
can only be used for parking, storage, or access.
Walls below the
BFE
must have openings (shown as "foundation opening" above) to permit entry
and exit of flood waters.
A typical conforming house in an
"A Zone"
would look like this:
FEMA "V" Zone
Restrictions
In a
FEMA "V" Zone,
the bottom of lowest horizontal structural member supporting the lowest
habitable floor must be elevated above the
BFE.
The space below the
BFE
must be free of obstructions. Areas below the
BFE
must be used for open space, storage, or access. Standard electrical
outlets, appliances, air conditioning equipment, and bathrooms are
prohibited below the
BFE.
Walls below the
BFE
must be of break-away design.
A typical conforming house in a
FEMA "V"
Zone would look like this:
ALL NEW STRUCTURES BUILT AFTER JANUARY 1, 1975 AND ALL "SUBSTANTIAL
IMPROVEMENTS" TO EXISTING STRUCTURES MUST CONFORM TO CURRENT
FEMA FLOOD ZONE
RESTRICTIONS.
STRUCTURES AND ADDITIONS WHICH DO NOT CONFORM TO FEMA RESTRICTIONS MAY
BE ILLEGAL.
FEMA 50% RULE
Any reconstruction, repair, addition or other improvement, the cost
of which exceeds or equals 50% of the market value of the structure
before the start of construction, is deemed to be a "substantial
improvement".
If the improvement either alone, or in combination with the cost of
improvements over the past five years exceeds or equals 50% of the
market value of the structure, the existing structure must the brought
into compliance with
FEMA regulations.
Example:
In 1995 a structure valued at $200,000 was renovated at a cost of
$99,999. In the absence of the appreciation in market value of the
structure after the renovations, no further repairs, reconstruction, or
improvements can be performed until the year 2000 without retrofitting
the structure to comply with
FEMA regulations.
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Click on the towns below to view a overview of each town
or city as well as its history, a description of the current real estate
market in each area -->
Branford Guilford
Madison
East Haven
Meriden
Affordable Starter Condo
$ 118,900
Affordable starter
condo 1 bedrooms, 1 bath, pool, patio and deck with newer gas furnace,
cair and water heater units. Very low condo fee and low taxes. Enjoy
owning your own home while spending less than renting a condo. Call
203-589-7782 for a showing or for more information.
Best Condo Buys
East
Haven
$570,000
Stunning
Waterfront Condo 3 bedroom, 2.5 baths, 3 decks with dock and private
beach access.
Branford
$219,900
PRICE REDUCED FOR QUICK SALE!!! Spacious and well
maintained 2 bedroom, 1.1. bath, tri-level unit with new carpeting, LR
w/FPL and sliders to private deck. New pergo floors and newer appliances
in kitchen. Home Warranty!
Branford
$275,000
Gorgeous 3 bed/2 ba end unit in move in condition.
Brand new kitchen with S.S appl. Remodeled baths,Fireplace & hardwood
floors in LR, slider to large deck with private picturesque setting.
Finished lower level.
Guilford Condo For Sale
$176,900
5 rooms, 2 Bedrooms, 1.5 Baths, 1,128 square feet
Lake Area Property
Best Home Buys
Branford
$599,900
Direct Waterfront Home Condo Alternative!
Renovated to Brand New! Gleaming Hardwood Floors-Kit with Stainless
Steel Sub-Zero Viking & Bosch Appliances. Mahogany deck & 3 Car Gar! A
High-Ranch-One flight of stairs up & you feel like you are in a "NY
Style" Loft With Views that are Priceless!
Branford
$575,000
Direct Waterfront
BEACH HOUSE with fabulous views of Long Island
Sound in every room, deeded beach rights. This 3 bedrooms / 2 baths,
open floor plan is across the street from the beach. It has parking for
4 cars.
Branford Home
for Sale
$664,900
Spectacular colonial steps from beach, boating and
park. Great room with vaulted ceilings, skylights, and fireplace. Open
floorplan is ideal for entertaining. First floor BR, laundry and office.
Large BR'S with great closet space.Irrigation system.
New Haven
$219,900
Very appealing townhouse with some harbor views.
New kitchen appliances, 2 bedrooms, 1 1/2 bathrooms, deck with pretty
views, lower level can be finished with slider to outside, garage and
pool. You can have a garden
Guilford
$365,000
Renovated home in Guilford Lakes across from
municipal golf course. Walk to lakes, swimming,and boating. New hardwood
floors new kitchen, new windows, new bathrooms, newly painted. Lovely
corner landscaped level lot.Just turn the key minutes to highway and
center of town.
Lake
Area Property
Guilford Condo For Sale
$564,900
Unique offering! Custom colonial style end unit w/private treed yard.
Living Room with fireplace, Hardwood floors & French doors leading to
sun room. Country kitchen w/fabulous storage & slider to large deck.
Lovely Master Bedroom suite, 2nd room can be 2 Bedrooms. Exceptional
home, a must see!!
Madison Homes for Sale
$885,000
Gorgeous and pristine custom expanded cape built
by Peter Smith. Open floor plan, with large and spacious rooms, 3
fireplaces, finished lower level family room with sliders to walk out
patio. Incredible kitchen with granite countertops & Stainless Steel
appliances
Madison Condo
$182,271
Here's your chance to move to Madison! Well
maintained townhouse features fully applianced eat in country kitchen
with laundry hookups in your unit. Hugh MBR with walk in closet plus a
pulldown attic and crawl basement for storage. Walk to train & town!
Multi Family Homes
New Haven
$249,900
2 family , well maintained w/ newly paved
off-street parking area ( 4-5 cars.) 2 br.1st., 4 br. 2nd.24 hr notice
to show. Priced to sell !!!
Eligible for Yale Home buyers program
Building Lot Buys
East Haven
Branford
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