This is the highest-exposure profile among the three properties reviewed in this report set. Older Post-FIRM construction, slab-on-grade foundation, no EC, and no prior policy history creates a scenario where the EC investment decision is the most financially significant variable available to this property owner.
This property has been in Zone AE continuously since the community's initial FIRM in 1985. No reclassification events, no prior lower-risk designation, and no amendment activity are identified. The Zone AE designation is consistent with the property's location in the Brays Bayou basin and is supported by the surrounding parcel mapping pattern visible in the FloodRisk Standard map imagery.
| Foundation Type | Slab on Grade (per Wright quote application) |
| Construction Year | 1987 (Post-FIRM — no Pre-FIRM discount) |
| Square Footage | 2,650 sq. ft. |
| Number of Floors | 2 |
| Estimated Replacement Cost | $412,800 (Wright application) |
| Elevation Certificate | None on file |
| USGS Approximate Ground Elevation | ~44 ft NAVD88 (estimated from surrounding parcel data) |
| Estimated BFE at This Location | ~48 ft NAVD88 (consistent with neighboring parcels) |
| Slab Elevation Above Grade | Unknown without EC — typically 0–0.5 ft for slab construction |
Slab-on-grade construction provides minimal inherent elevation above the surrounding grade. Unlike crawlspace or pier-elevated structures, a slab sits at or very near ground level. If the surrounding grade at this property is approximately 44 ft NAVD88 (as estimated from adjacent parcel data), the slab's lowest floor elevation may be at or below the BFE of ~48 ft. This is the most important unknown at this property — and an Elevation Certificate would document it definitively. If the lowest floor is at or below BFE, the NFIP rate will reflect a below-BFE rating, which significantly increases premium. If somehow above BFE (uncommon for 1987 slab in this area), the EC would capture premium relief.
For slab-on-grade construction in Zone AE with estimated ground elevation below BFE, EC documentation typically reveals one of two scenarios: (A) lowest floor is at or below BFE — the EC confirms below-BFE rating and may not improve the premium, but establishes the definitive baseline for future LOMA evaluation and mortgage compliance documentation; or (B) lowest floor is above BFE despite slab construction (possible if the lot was raised with fill during original construction) — the EC captures favorable above-BFE rating and reduces premium. Given the Wright quote of $2,186 was generated without EC, there is no premium reduction currently being captured. A $700 EC survey investment would either confirm the rate is appropriately set, or reveal a premium reduction that recovers the survey cost within 1–3 years.
Based on the order intake, no current flood insurance policy is in place at this property. This property has a federally-backed mortgage (per SFHDF data indicating Zone AE designation for lender compliance purposes). If a federal loan is secured by this property, the mandatory purchase requirement is in effect and the lender is required to maintain force-placed flood insurance or require the borrower to obtain coverage. The absence of voluntary coverage creates both a compliance risk and a significant financial exposure. At an estimated replacement cost of $412,800 and NFIP maximum of $250,000, even full NFIP coverage would leave a ~$247,563 gap.
The Wright National Flood Insurance quote at $250,000 building coverage with $10,000 deductible — no EC — yields a total annual premium of $2,186. This is the baseline NFIP cost without elevation documentation. Private market options without EC are available but typically at comparable or higher rates than NFIP for below-BFE slab construction. The EC assessment above is the most actionable first step before making an insurance placement decision.
No LOMA or LOMR filings were identified at 7214 Briarwood Crossing in MSC records. The Zone AE designation has been consistent since 1985. Given the slab-on-grade construction and estimated site elevation below BFE, a LOMA pathway is assessed as unlikely without significant fill or engineering evidence of elevated site conditions. A formal LOMA assessment is included in a Level 3 Comprehensive Review if desired.