Home Buying in a Flood Zone?

Home Buying in a Flood Zone

It can be frustrating when a beautiful home you’ve fallen in love with in the Twin Cities or the surrounding areas is in a flood zone. While it’s not necessarily a deal-breaker, there are some serious considerations to understand before moving forward.

Flood zones are defined by the Federal Emergency Management Agency (FEMA) and are categorized according to the level of risk. A high-risk area is defined as having a 1+% chance of annual flooding, whereas a low-to-moderate location has a 0.2% or less chance of annual flooding.

FEMA maintains a flood map center where you can research the classification of the location and the level of concern. Zones labeled A and V are the highest risk zones. These are areas that are either coastal or riverside communities. These Special Flood Hazard Areas will have to carry flood insurance and have a 25%
chance of serious flooding in a 30-year timeframe. Zones labeled B, C, and X are lower risk.

Flood insurance is available to homeowners in any location. It makes sense that homes located in high-risk areas may pay higher premiums than those in lower-risk zones. In addition to normal homeowner’s insurance, flood insurance can range from a few hundred a year to thousands per year. The good news is that proper flood insurance provides excellent coverage in the event of damage, even providing temporary housing if necessary. Coverages vary, so it’s important to discuss the options with your insurance agent.

There is no reason to dismiss a home simply because it’s located in a flood zone. Many beautiful locations are also considered high-risk. But before you write the offer, it’s important to consider all the implications and costs involved.

Where to Find Great Lofts to Buy in Minneapolis

Minneapolis Lofts

The city of Minneapolis is known for its unrivaled beauty when it comes to lofts with a stunning view of the city.  You can find an abundance of lofts in the city, which offer a quiet comfort with luxury amenities at any price range which suits you.

Boutique Style Lofts

The North Western part of Downtown Minneapolis is known for their unique, boutique style lofts, which feature a number of old- style, vintage themed houses. These are buildings which have a number of well- styled and luxurious condos in them. You will find a number of amenities, including indoor heating, a fitness area, and a security system.

Stylish City Loft

Warehouse Lofts

Located all over downtown Minneapolis, warehouse lofts are extremely popular because of their spacious interiors and fantastic views. Many lofts are also equipped with urban patios. These lofts are perfect for those people who work and study in downtown Minneapolis. There are several luxury facilities included in the lofts, including storage units, outdoor maintenance, and trash and sewage treatment systems.

Modern Lofts

Located mainly in the center of downtown Minneapolis, modern lofts in the area consist of a lot of contemporary designs with free flowing interiors. These lofts stick to the gritty aesthetic of original lofts, without losing touch of their modern side. These lofts offers something for everyone.  You find some of the shared amenities may include building security systems, free cable, exercise room, amusement/party room, and outdoor maintenance.

Urban Living Lofts

Located mainly in the northern part of downtown Minneapolis, urban living lofts offer a culmination of other other types of designs, such as industrial and modern features. These lofts are most modern in their build, and offer a combination of one, two, and three bedroom lofts. The amenities that urban living lofts offer include community centers, rooftop patios, fitness areas, and indoor heating.

Luxury Condos

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Shannon Lindstrom, Realtor®, AHWD, GREEN, NCS
Direct: 612-616-9714

The 5 Healthiest Restaurants in Minneapolis

Minneapolis Organic Restaurants

Minneapolis uptown condo living residents take their health very seriously. This is probably why there are so many health restaurants in the vicinity of Minneapolis uptown condo living neighborhoods. Here is the best of the best:

1. Whole Sum Kitchen

This laid-back café serves up vegan-friendly, acai bowls, grain bowls and artisan coffee, all in a hip, comfortable café at 824 West 50thStreet.

2. French Meadow Bakery & Café

This award-winning organic, farm to table café is unassuming, simple and elegant, all at once. With two locations, one at 2610 Lyndale Ave. S in Minneapolis and the other at 1662 Grand Avenue in Saint Paul, you’ll still need reservations if you want to be guaranteed a table.

3. Crisp & Green

Just as you’d expect, Crisp & Green is your Minneapolis uptown condo living destination for fresh, organic salads in all possible forms. Choose from the Chef’s Curry concoction, Fiesta Bowl, or the No Prob Cobb, among many others. Visit the Minneapolis location at 428 North Washington Avenue.

4. Common Roots Café

The Common Roots Café at 2558 Lyndale Ave. S in Minneapolis offers indoor and sunny outdoor seating while you enjoy hand-crafted delights such as avocado toast, grilled watermelon and succotash hash.

5. Tao Organic Café & Herbery

This local gem, located on 2200 Hennepin Ave. in Minneapolis, is both a natural foods store and food café. Menu offerings include organic beef bone broth, mushroom broth, raw superfood crunch, coconut curry bowl and sweet potato burrito.

As you can see, Minneapolis uptown condo living entails a rich selection of home-grown food restaurants owned and operated by people who value quality of life as much as you do! If you’re looking for uptown Minneapolis condos for sale, please don’t hesitate to contact us!

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Shannon Lindstrom, Realtor
Direct: 612-616-9714

city bakery

Eco-Friendly Minneapolis: Living Near Lake Street

Lake Bde Maka Ska Calhoun Condos

Minneapolis is a city with its own lake district. Live near Lake Street, and you’ll be celebrating the beauty of Minneapolis and its natural elements every day. Have you seen the current condos for sale Uptown Minneapolis has to offer?

The diversity of green living opportunities in this area shows that eco-conscious urban living is for every age and income level. Here’s just a small sampling:

Loop Condos For Sale

Live at the Loop Condos and have year-round access to the Midtown Greenway trail for walking, running, and cycling. These spacious condos span 1,000 to 2,000 square feet! In a building carefully insulated from the city sounds, elegant features include stylish Italian kitchens. Live in the heart of a fine dining mecca, and just two streets from Whole Foods. Our very own Lunds and Byerlys grocery store is also a short walk from home!

Minneapolis Highrise Condos

Over 55+ Condos at Kenwood Isles

Hoping to find 55+ condos in the East Isles and Uptown Neighborhood in Minneapolis? Just a block away from the Midtown Greenway is modestly priced Kenwood Isles, featuring underground parking. The Metro Transit bus stop serves routes throughout Minneapolis, and Uptown Station is just a block away! Kenwood Isles is situated among a fabulous array of restaurants, churches, and book shops. Green features include solar roofs, and most units include gorgeous bay windows.

3310 Nicollet Condos For Sale

Take a look at this newer, 4-story condo building in refreshingly affordable Lyndale, one of the loveliest South Minneapolis walking neighborhoods. Terraces, balconies, and oversized windows all celebrate the natural surroundings. The 35 units range from 689 to 1,108 square feet. And there’s never a dull dinner when you live in the hub of an international culinary scene.

Embraced By the Lakes: Lake Point Condos 

Off East Lake, embraced by the Lakes themselves, is Lake Point, a high-rise on the shore of  Lake Bde Maka Ska. While Lake Point maintains a no-dogs policy, cats are fine per number limit. You’ll appreciate the round-the-clock security, a hot tub, sauna, indoor pool, heated parking, and guest parking.

Lake Bde Maka Ska

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Shannon Lindstrom, Realtor®, AHWD, GREEN, NCS
Direct: 612-616-9714

Minneapolis Lake Bde Maka Ska Neighborhoods and Real Estate

Minneapolis Mansion

The residential communities surrounding Lake Bde Maka Ska (formerly Calhoun) and Lake of the Isles area is a great location for individuals who enjoy Minneapolis city living.

The business district is referred to as Uptown and the group of neighborhoods consisting of Bryn Mawr, Lowry Hill, CARAG, Lowry Hill East, Cedar-Isles-Dean, Kenwood and East Isles; along with East and West Calhoun is referred to as Bde Maka Ska (formerly Calhoun) Isles region

Along with single family homes and duplex buildings, the Minneapolis-Uptown neighborhood has historic- to- new condos and lofts. The MTC bus service connections run frequently during the daytime hours to the downtown Minneapolis and the southwest metro, which reduces commuting costs for residents working in the area.

The Minneapolis-Uptown location is a great place to live if you are looking for sustainable walking neighborhoods.

Minneapolis Uptown Real Estate

Lowry Hill – The community is located west of Minneapolis downtown and is a sought-after neighborhood with stylish 19th century homes built in Victorian, Prairie, Mediterranean, and Tudor styles.

 Some of the larger single-family homes have been converted into condos, which is ideal for individuals looking to experience urban condo living with the advantage of living near Lake Calhoun, Lake of Isles.  

Restaurants & Coffee Shops: : Burch Steakhouse and Pizza Bar, Caribou Coffee, Chipotle Mexican Grill, Namaste Café, Soho Café, Spy House Coffee Shop, Starbucks, Tao Organic Foods, and The Lowry.

Grocery Store: Kowalski’s MarketKowalski’s Market

Shopping: Dean Gallery, Frattallone’s Ace Hardware, H & B Gallery, First Tech Computer Store, My Sister’s Closet, and Nadeau Cafe.

Park: Thomas Lowry Park

Lowry Hill Neighborhood Association

Kenwood – Homes in this region are located around gently sloping hills that give them stunning view of the lakes.

The housing styles are from historic to modern luxurious one to two stories single-family homes, middle to high-end townhomes, mansion converted to condos, newer modern condos, and townhomes.

The Kenwood neighborhood is an embodiment of Minneapolis urban living.  It has an abundance of trails, parks, dog parks, and play areas for children.

Restaurants & Coffee Shops: The Kenwood Restaurant and Bar, Sebastian Joe’s Ice Cream Café, Caribou Coffee, Starbucks

Green Space: Kenwood-Lake of the Isles Park, Parade Park and Kenwood Park

Kenwood Isles Area Association


Bryan Mawr – This charming community has a small town charm with tree lined roadways and parks located on all sides among which the most famous are Bryn Mawr Meadows and Cedar Lake Park.

The neighborhood homes in the area are single family residences with spacious city yards and gardens and are considered the most affordable among Calhoun/Lake Isles region.

 Due to its relaxed lifestyle with green space it is a sustainable neighborhood within minutes from downtown Minneapolis via public transportation.

Restaurants & Coffee Shops: Bryan Mawr Coffee Shop, Cuppa Java, Bryan Pizza & Deli, Sparks

Shopping: Studio 411 Salon & Spa, and Cockadoodledoo Gifts

Green Space: Bryan Mawr Meadows Park, Eloise Butler Wildflower Garden & Bird Sanctuary, and Theodore Wirth Park

Bryan Mawr Neighborhood Association

East and West Calhoun – The East & West Calhoun neighborhoods is bordered by Bryn Mawr and the north Minneapolis areas. Homes in this region consist of lakefront mansions to luxury penthouses along with condos, duplexes and single family homes. It is a vibrant neighborhood with active nightlife due to proximity of restaurants, theaters and shopping areas.

Restaurants & Coffee Shops: Noodles & Co, Chipotle, Five Guys, Tin Fish Restaurant, Barbette Restaurant, Dunns Bros, Caribou Coffee, and Rustica’s Bakery.

Shopping: Calhoun Square, Calhoun Village, Whole Foods, and Lunds Grocery Store

Green Space: Lake Calhoun, Lake of the Isles, and Lake Harriet

West Calhoun Neighborhood Council


CARAG – Located minutes away from the twin lakes Calhoun and Lake of Isles, the neighborhood consists of single family homes along with condos and also apartment buildings. Due to its proximity to Lyn Lake business district, the location is a preferred residential area for professionals in the region. 

Restaurants & Coffee Shops: Bryant-Lake Bowl & Restaurant, Noodle Bowl, Muddy Waters, Herkimer Pub & Brewery, Louie’s Food & Deli, Urban Bean Coffee Shop, Bull Run Coffee Shop, El Meson, Crema Café, Pizza Luce, and Gigi Cafe

Shopping: Mottos, Via’s Vintage, The Buffalo Exchange,

Green Space: Midtown Greenway from Lake Bde Maka Ska (formerly Calhoun) to Lake Street, Lake Calhoun and Lake of Isles.

Bryant Square Recreation Center

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Shannon Lindstrom, Realtor®, AHWD, GREEN, NCS
13784 83rd Way No, Ste. 200
Maple Grove, MN 55369
Direct: 612-616-9714