Property is mapped within a Special Flood Hazard Area under FIRM Panel 48201C0475L (effective October 21, 2021). Zone Determination #DRP00000000019874231 confirms Zone AE designation. No Elevation Certificate is on file for this property. Without EC documentation, flood insurance is rated on estimated structural characteristics — a potentially significant cost factor at this location.
| FIRM Panel | 48201C0475L |
| Panel Effective Date | October 21, 2021 |
| Flood Zone | AE (Special Flood Hazard Area) |
| Zone Determination Reference | DRP00000000019874231 · Zone Reference #1887643200 |
| NFIP Community | 480287 — Harris County (Unincorporated Areas) |
| NFIP Program | Regular Program — Participating |
| Elevation Certificate on File | None identified |
| LOMA or LOMR on File | None identified |
| CBRS / OPA | No — federal flood insurance available |
| CRS Discount | None — Harris County CRS Class 5 enrolled |
Zone AE designation triggers the mandatory flood insurance purchase requirement for any federally-backed mortgage secured by this property. Insurance must be maintained for the life of the loan at a minimum coverage amount equal to the lesser of the outstanding principal balance or the maximum available NFIP coverage.
Without an Elevation Certificate, flood insurance is rated using FEMA's estimated first floor height methodology under Risk Rating 2.0. For a 1987-built slab-on-grade structure in Zone AE, the estimated NFIP premium without EC is $2,186/year (from available quote data at this property). This rate may be higher or lower depending on actual structure elevation relative to BFE — the key unknown without an EC. A Property Analysis (Level 2) includes an EC value assessment for this specific property.
Both NFIP and private market coverage are available for Zone AE properties in Yakima County. Private carriers typically offer competitive rates for properties with favorable elevation profiles. Without EC data, private market rating also relies on estimated elevations, which may not fully capture available rate advantages if the structure is above BFE. The practical benefit of EC documentation applies to both markets equally.
| Zone confirmed from FIRM source data | ✓ Zone AE |
| Mandatory flood insurance required | ✓ Yes |
| FIRM panel identified | ✓ 48201C0475L |
| Elevation Certificate on file | ✗ None identified |
| LOMA/LOMR on file | ✗ None identified |
| CRS discount available | ✗ Community not enrolled |
Given the Zone AE designation, 1987 construction year (Post-FIRM), slab foundation, and no EC on file, a Property Analysis (Level 2) would quantify the EC value opportunity and determine whether the survey cost ($500–$900 typically) is justified by potential premium savings at this location. The map amendment history and coverage gap analysis included at Level 2 are also highly relevant for a property of this age and zone profile.