Let's Ask Katie - April 2025

Let’s Ask Katie

Expert Advice for all your Real Estate questions from Katie Machoskie

Hi Katie,

We are hoping to purchase a home in a rural area, but are worried about fire and flood hazards.  What are some things we should think of when evaluating the homes we are considering?

Nate and Mary

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Hello Nate and Mary, 

When buying a home in a high fire or flood zone, you are wise to consider several factors to ensure safety and financial protection. First, research the area's history of natural disasters. Understanding past events can inform you of potential risks and necessary precautions. Second, assess the property's location and construction. Homes built with fire-resistant materials or elevated foundations may offer better protection against the elements. Third, verify local building codes and regulations. These can dictate construction standards and safety measures crucial in high-risk areas. Fourth, investigate community resources and emergency services. The proximity of the home to fire stations or flood response teams can influence response times in case of an emergency.

Finally, securing adequate homeowner's insurance is essential. In high-risk zones, standard insurance may not cover all potential damages. Consider specialized policies like fire or flood insurance for comprehensive protection. Additionally, compare insurance providers to find the best coverage and rates. By taking these steps, you can make an informed decision and safeguard your investment in a challenging environment, and ultimately enjoy peace of mind knowing you made an educated decision about your next home!