I’m Buying a Home in the Flood Zone in Brisbane

scale of a House fully flooded during the flooding of the river

There are a lot of things to consider when purchasing a new, established home. There’s the location, the house design, the price and the outdoor landscape that can make your new house susceptible to natural disasters. It’s important all of these are thought over thoroughly before you purchase your new home. One area that must be considered is whether your house lies in a flood zone. There are various locations that are susceptible to flooding, and Brisbane is one such capital city that has experienced its fair share of floods in the past 100 years. If you’re looking to purchase a house in a flood zone in Brisbane, this is what you need to check and realistically contemplate when acquiring a property that has been flooded.

Check whether the property has been flooded

Many properties may be on the outskirts of a flood susceptible area, but they may not have necessarily had flood waters damage them. In order to find out the flood history of the property you wish to purchase (or have purchased), look at the flood zone maps. The flood zone maps in Brisbane have been updated since the January 2011 floods that inundated many parts of Brisbane and Ipswich.
The flood zones changed from 1974 to 2011 due to the change in landscape and added infrastructure to Brisbane. Some suburbs that flooded in 1974, didn’t flood quite so much in 2011. Unfortunately, there were also suburbs that hadn’t experienced flooding in 1974, but were inundated with water in 2011. It’s really important to find out the history of the property you have purchased by studying these flood zone Brisbane maps, and comparing what areas the floods affected. If your house did go under water, you need to consider how long you will stay in your property and whether you are willing to take the chance of living there through another flood.

Book an independent house inspection

The majority of new house purchases are subject to a pest and building inspection before the sale becomes unconditional. If your house is known to have been in a flood or near a flood susceptible area, a thorough building inspection should be conducted as soon as possible. It’s not unusual to request an inspection before an offer on a house is made, to ensure you definitely know what you’re in for.
It’s very hard for new home owners to look for potential flood damage, if the property has been renovated. A renovated house can be a good sign that the damage caused from the floods was rectified. If the property hasn’t been renovated, there could be some underlying issues that won’t necessarily be visible to the normal eye. Moisture from the flood waters may have caused water damage and mould in walls or roof cavities. Your building inspector will know what to look for and give you a thorough building inspection report on whether the house is in good condition or requires work to make it habitable. Mould can lead to serious health problems, so it’s very important any signs of water damage or mould are rectified before you move into the property.
A building inspection will also check your house is structurally sound. One can’t assume the existing home owners had insurance to fix any damage caused by the floods. This is why a building inspection is crucial – especially for homes that have been damaged by floods or have been in an area of severe flooding.

What to consider if you successfully purchase a flood damaged home

If you purchase a flood damaged home, or a house that is on the outskirts of the flood zone area in Brisbane, it’s important to face facts and expect that the house could go under again. There are no guarantees there won’t be another flood in Brisbane. History shows us it’s a regular event every 30 or so years. Expecting the worst allows you to prepare the home, should a flood happen again in the future.
Flood insurance is a must, but do expect the insurance price to increase if the house has been flooded previously.

Consider the built-in layout

If the house is a high set, consider getting the house raised above the water levels recorded in the area. These levels can be found on the Brisbane flood map. It’s important to discuss the height of your home with the local council to ensure the new height is approved. Once the height is approved, it’s a matter of looking at the layout design of the home and ensuring the underneath part of the house are rooms that could easily be renovated or cleaned should the flood waters rush through. You may consider having all your family living, study and kitchen upstairs. These areas have the most expensive appliances and furniture.
If the house is built in underneath, the design layout can ensure your belongings are well protected even if flood water does come through. Many Queenslander style homes in Oxley and Sherwood of Brisbane, have been raised to ensure they aren’t badly affected by flood waters again. These may be long-term considerations for your property, but they can still offer some sort of assurance if flooding concerns you.
You may choose to leave the property as it is, and face a potential flood if and when it comes again. While a flood zone area can make or break a property purchase, floods aren’t common and the chances of your property being affected by a flood are quite low.

Buying a home in a flood zone in Brisbane may be seen as foolish, but your building inspector should have the last word on your purchase decision. If you understand the risks, and you’re happy to do what’s needed to protect your family and belongings should the unexpected happen, what others think should have little to do with your decision.

If you require a building inspector to inspect a house in a flood zone in Brisbane, Action Property Inspections are more than happy to do the inspection for you, offering their professional advice on the possible damage and the state of the property.

Call Action Property Inspections, to book a pre-purchase inspection today.