Three Things To Remember When Building A Home By The River

Posted on: 6 July 2016

If you love the water, living by the river might seem like an ideal situation for you. If you plan on buying land and building a home near the river, here are three things you'll want to keep in mind.

Know Your Boundaries

After buying land, you need to make sure you know the boundaries of your parcel of land. By knowing this information before you even begin building, you can save yourself time, money, and a lot of headaches down the road. When you get boundary surveying done by a licensed surveyor, it will most likely cost you money. Some factors that might influence this cost include:

  • Accessibility of the land
  • The size of the piece of land
  • The shape of the piece of land

When building a home, knowing your boundaries is important as it can alleviate landowner disputes with neighbors, make you aware of any zoning restrictions, and let you know if there are any underground utilities.

Understand Flood Levels

When building a home by the river, you will also want to ensure you are not building on a floodplain. Floodplains usually experience some flooding when the river is unusually high or when the water threatens to go above the flood stage. Most areas near a river are susceptible to flooding anytime the river goes over its banks, but flooding causes more problems on a floodplain.

Understanding flood levels is important, and if you're unsure of the elevation of the land you're building on, check with your municipal government about obtaining a flood elevation certificate. State-licensed surveyors also do flood elevation certificates.

Get Flood Insurance

If you are building near a river, you may be required to obtain flood insurance. The cost of the insurance may depend on the Base Flood Elevation (BFE). If you live in a place that is at risk for flooding, the policy cost will lower as the BFE rises. Some of the things that are covered by flood insurance include:

  • The home and its foundation
  • Electrical and plumbing systems
  • Detached garages
  • Removal of debris

Whether it's required or not, having flood insurance when you live near a river will help give you a peace of mind and could save you money down the road.

Building a home near the river can be a wonderful experience, but in order to make it even better, it's best to be aware of these three things.