Episode 63

Flood Zones Explained, and Chattanooga's History of Flooding

In this episode of Let’s Talk Chattanooga Real Estate, host Blake Watson demystifies the often misunderstood topic of flood zones and flood insurance. From FEMA flood maps to elevation certificates and building restrictions, Blake breaks down what homebuyers, sellers, and builders need to know when dealing with properties in flood-prone areas across Chattanooga and Northwest Georgia. He also shares local flood history, how infrastructure like the Brainerd Levee came to be, and how smarter development is reshaping the region. Whether you're buying, building, or simply trying to understand your property's flood risk, this episode is packed with practical advice to protect your investment and your peace of mind.

Host: Blake Watson, Epique Realty

Topics Covered:

* What flood zones are and how FEMA categorizes them (Zone A, AE, X, floodway)

* How to find your flood zone online via FEMA’s Map Service Center

* The importance of elevation certificates and how to get one

* Chattanooga’s flood history from 1867 to recent events in 2019

* Key local flood zones like South Chickamauga Creek, East Ridge, Brainerd

* Floodplain construction rules: minimum elevation, no basements, flood vents

* Flood insurance basics under FEMA’s Risk Rating 2.0 system

* Pros and cons of private flood insurance options

* Mortgage and resale considerations for homes in flood zones

* How local governments use smarter development and FEMA grants

Key Takeaways:

* Even low-risk flood zones can pose serious risk as 40% of claims come from these areas.

* An elevation certificate can save thousands on insurance and help with resale.

* Building in a flood zone is possible but comes with strict requirements and added costs.

* Local infrastructure and development policies are critical in managing future flood risks.

Contact Blake Watson with Epique Realty, licensed in Tennessee and Georgia.

Phone: 423-315-1815 (mobile), 888-893-3537 (office)

Website: www.AtHomeChattanooga.com

Facebook and LinkedIn - Blake Watson,  Instagram - @RockNRollBlake

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Let's Talk Chattanooga Real Estate
Real Estate in Chattanooga Tennessee and Northwest Georgia

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About your host

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Blake Watson

When you choose to partner with me as your Realtor, I bring knowledge, expertise, and real estate experience to our partnership. You can count on my negotiation skills and marketing know-how to help sell your property or help you secure the home of your dreams. I am Blake Watson, real estate agent brokered by Epique Realty, and serving Chattanooga and Northwest Georgia. In addition to being an agent, I host the “Let’s Talk Chattanooga Real Estate” podcast.
Honesty, transparency and trust are qualities you can expect from me. Above all, you can be confident that I will serve you with your best interest at heart.
Chattanooga is my hometown. I'm a proud graduate of Hamilton County Public Schools with years at East Brainerd Elementary, Westview Elementary, Brown Middle and Central High. I went on to graduate from the Honors Program at the University of Georgia, where I met my amazing wife. After several years away in other southern cities, we returned to the Chattanooga area. Now, we live in Ringgold, GA with our two adopted kids, and we raise goats on our small farm.
I've worked in Chattanooga and Northwest Georgia for decades and know and love the towns and neighborhoods throughout the area. I love the community we have in Chattanooga, and the incredible transformation our city has enjoyed over the past 20 plus years. If you live here, you know what I mean. If you are considering a move to Chattanooga, be prepared to fall in love with this beautiful area that is so full of life and fun!