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Kathleen Adams used to call her home her “forever.” The Conroe-area property had room for reunions, a pool and a 1,400-square-foot porch. Now, much of her life is boxed upstairs. After repeated floods, she said she watches the weather, tracks river levels—and waits for a buyout process that can take years.
The gist: Federal Emergency Management Agency flood maps, insurance rules and federal grant programs can shape what happens after the water leaves. County data shows 144 homes have been bought out through six mitigation programs to date.
Why it matters: The full process typically takes between 2 1/2 and three years, depending on the federal funding source. Once funding reaches the county and homeowners stay engaged, she said, closings can move in 60-90 days.
Before you go: For homeowners in flood-prone areas, documentation matters. Residents should save photos, repair receipts, insurance claims, FEMA documents, Small Business Administration Disaster loan information and anything tied to storm damage.
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