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How a Government shutdown could disrupt flood insurance on Cape Cod

Posted by REEF Cape Cod's Home Builder on Tue, Sep 30, 2025

A government shutdown could have serious consequences for Cape Cod residents, especially when it comes to flood insurance. The National Flood Insurance Program (NFIP), which provides most of the flood insurance policies on the Cape, is at risk of lapsing if Congress fails to pass a spending bill. This could leave many homeowners and home buyers in a difficult position.

waterfront

A lapse in the NFIP would mean that no new flood insurance policies could be written and no existing policies could be renewed. This would have an immediate and significant impact on the Cape's real estate market. Many home sales would likely be delayed or even canceled, as flood insurance is required for mortgages in high-risk areas.

The economic impact of a shutdown could also be significant. The National Association of Realtors estimates that a lapse in the NFIP could disrupt thousands of home sales across the country every day. On the Cape, where the real estate market is a major economic driver, the impact could be particularly severe.

In addition to the immediate impacts on the real estate market, a lapse in the NFIP would also create uncertainty for homeowners. With hurricane season upon us, the last thing that Cape Cod residents need is to be worried about whether their flood insurance policy will be valid.

DJI_0091

Here are some of the key impacts that a government shutdown could have on the NFIP and Cape Cod:

  • No new flood insurance policies will be issued, and existing policies will not be eligible for renewal.

  • Real estate transactions in flood plains will be frozen.

  • The NFIP's ability to borrow from the U.S. Treasury will be significantly limited, which could impact its ability to pay claims in the event of a major disaster.

Cape Cod is a beautiful place to live, but it is also a place that is vulnerable to flooding. That is why it is so important to have a strong and stable National Flood Insurance Program. A government shutdown would put that program at risk, and it would put Cape Cod residents at risk as well.

FLOOD RESISTANT HOMES

Many inquiries we receive for new construction or renovations on Cape Cod are for properties within FEMA flood zones. Homeowners must be aware that building in these designated A, AE, AO, or V zones is subject to strict design and construction regulations that can significantly alter the original concept for their home.

If you want to know if your home is in a FEMA Flood Zone - Click Here to enter your address and find out!

With the constant uncertainty surrounding federal programs, we believe the most sensible and permanent precaution is to design and build a resilient, flood-resistant home. REEF Builders has vast experience in this specialized area, creating custom homes on Cape Cod that are engineered to meet and exceed coastal building standards, providing peace of mind no matter the situation in Washington.

FEMA Substatial Improvement

Download your FREE Guide to Permitting and Building your Custom Home  on Waterfront and Coastal  Property on Cape Cod here


Source: National Flood Insurance Program is set to expire Tuesday, halting new policies and some home loans - Newsday

Tags: Construction Costs, Cape Cod Real Estate, FEMA flood maps, FEMA flood zones, Home Design, House Design, Cape Cod Design Build, Hurricane, How to build a custom home on Cape Cod, flood insurance

Pantone Color of The Year 2023

Posted by REEF Cape Cod's Home Builder on Tue, Dec 06, 2022

magentaversePantone2023
What is Viva Magenta?
Pantone’s Color of the Year, Viva Magenta 18-1750, vibrates with vim and vigor. It is a shade rooted in nature descending from the red family and expressive of a new signal of strength. Viva Magenta is brave and fearless, and a pulsating color whose exuberance promotes a joyous and optimistic celebration, writing a new narrative.

This year’s Color of the Year is powerful and empowering. It is a new animated red that revels in pure joy, encouraging experimentation and self-expression without restraint, an electrifying, and a boundaryless shade that is manifesting as a stand-out statement. PANTONE 18-1750 Viva Magenta welcomes anyone and everyone with the same verve for life and rebellious spirit. It is a color that is audacious, full of wit and inclusive of all.

Pantone has also shared a beautiful nature inspired color palette (below) to compliment this vibrant shade of red.

magentaverse

Source: https://www.pantone.com/color-of-the-year-2023

If you are looking to buy, build or renovate your home, kitchen or bath on Cape Cod, consider working with the REEF Builders team with complete real estate, design, permitting, and construction services.

Looking for costs per square foot for a new home on Cape Cod?  Click here to download our Construction Cost Guide

Follow us on social @thecapecodbuilder

 

Tags: Construction Costs, Cape Cod Real Estate, Cape Cod Home, Custom Homes, Cape Cod Builder, Home Design, House Design, Interior Desgin, Home Decor, Home Furnishing, Design Trends, How Much House can I Afford, Paint color

How to Decorate Your Cape Cod Living Room

Posted by Matthew Teague on Thu, Sep 27, 2012

   Once the sawdust has settled, and you are getting ready to move in to your New Home, or Addition, the big question becomes "how do we decorate this space?" Witnessing the transition of your project from a lines on a page into a three dimensional space is exciting, however, for the homeowner, the work has just begun.  Decoist.com has provided some guidlines for decorating your new living space, with 5 simple steps that can help point you in the right direction.  You should first decide on a color scheme, the use and needs for the space, then furnishings and decorative elements.  Also, there is no need to have to purchase all new furnishings for your New Home, if you have planned properly, much of the furniture you already own, may be able to work in the new space. Often times, when REEF designs a New Space, we will take the time to measure an owner's existing furnishings and make sure they work in the space, long before construction has begun.  Then, to tie it all together, don't forget those little decorative elements such as lamps and other accessories that can make the space yours! 

Here is the article from Decoist.com: How to Decorate a Living Room

Cape Cod Living Room

Tags: House Design, Interior Design, Living Room

15 Ideas for Great Residential Design

Posted by Matthew Teague on Mon, Jul 30, 2012

   Professional Builder Magazine recently published their "Design Innovation Repoort" which was developed with leaders in residential design from across the country.  There were 15 key points in this report, many of which make a lot of sense, and can provide some inspiration for your next New Home, Remodeling or Renovation Project. 

See the full article here: http://www.housingzone.com/design/15-great-ideas-leaders-residential-design

great room design resized 600

Tags: cape cod custom homes, Home Design, House Design, custom home design

New Home Designs

Posted by Matthew Teague on Tue, Jul 10, 2012

    REEF, Cape Cod's Home Builder is a design and construction firm, and as such, we are constantly looking at the design trends nationwide for new and fresh ideas.  Whether remodeling, or building new, a smart design that meets  your aesthetic,  lifestyle, and budget needs is always the ultimate goal. Here are some new designs that national production builders are using to spark new home sales.  Although some of these designs may not fit in your ideal Cape Cod neighborhood, many of the concepts and floor plans could be used in your next project.  Take a look !

http://www.housingzone.com/design/5-design-concepts-spark-new-home-sales

Cape Cod home by REEF

Tags: New Homes Cape Cod, House Design, design

Design Trends for New Homes 2012

Posted by Matthew Teague on Thu, Jun 14, 2012

     So what does the future hold for house design? Trends are moving towards more contemporary interiors, traditional but highly detailed exteriors, and flexible and fun living spaces that allow families to enjoy time together both inside and outside the home.  Builderonline.com recently published an article covering design trends for new homes in 2012.  As a Custom Home Builder on Cape Cod, we are constantly looking to identify trends that are not only popular, but make sense both aesthetically and financially. This article discusses new concepts like the "Family Triangle" and viewing outdoor living spaces as an extension of the indoor space. If you are thinking of building a new home on Cape Cod,

Click here to read the full article: http://www.builderonline.com/design/eight-design-trends-for-fresh-elevations-updated-interiors_1.aspx

Traditional Exterior:

New home in Dennis, MA

Contemporary Interior

Contemporary by REEF

Tags: House Design, custom home, Interior Design

Home Design - Creating Curb Appeal

Posted by Matthew Teague on Tue, Jun 12, 2012

    Creating an appealing home has a number of factors. Overall design, lot location, and exterior details can all contribute to an attractive home.  The elements of an attractive home should be balanced in mass and scale, and present a coordinated appearance.   We found an interesting article from Housingzone.com that discusses the 3 key elements to creating a stunning custom home.  This article highlights massing, fenestration, and detailing as the most important factors that contribute to an attractive custom home.  Even the smallest house can have exceptional curb appeal with some well placed windows and doors, and some small details like shutters. 

Click here to read the full article: http://www.housingzone.com/blog/3-key-elements-creating-stunning-curb-appeal

Custom Home Chatham

Tags: Home Design, House Design, design

The Next Great New Home Design

Posted by Matthew Teague on Mon, May 21, 2012

    Things have changed for home builders over the last several years.  Trends are moving away from the large trophy type homes, and more towards designs that offer practical livability, efficient design, and style where it counts.   Builder magazine recently produced an article that highlights the fact that modern lifestyles have changed much more quickly than home designs.  One of the biggest demands now is for a design that supports multi-generational living.  As a  custom home builder and home designer, REEF often responds to needs such as these with creative, and innovative solutions for space and functionality. 

 

Here is the full article from builderonline.com

http://www.builderonline.com/design/the-makings-of-the-next-great-new-home-design.aspx

Tags: cape cod custom homes, House Design, aging in place

10 Home Trends to Kiss Goodbye

Posted by Matthew Teague on Wed, May 02, 2012

  In the past, REEF has always promoted new and exciting designs, products and features for new homes, renovation and remodeling.  So today, we thought we might try something different. We came across a very interesting article on MSN Real Estate that talks about 10 home trends that are quickly losing popularity.  Ranging from things like 2-story living rooms, to fancy jetted tubs, this article highlights the trends that builders and realtors are seeing across the country.  Custom homes often become a mix of features that customers have seen and liked elsewhere, but some of those choices don't make practical sense over the long term. 

Click below to see the article, you might be surprised: http://realestate.msn.com/kiss-these-10-once-popular-home-features-goodbye?#2

Tags: new homes, Custom Homes, renovation, green homes, Home Design, House Design

Design -A Look at Modern Homes

Posted by Matthew Teague on Mon, Mar 26, 2012

  

   Often, due to the historic nature of the Cape Cod area, house designs are sometimes limited to the traditional.   We have often looked to more cutting edge homes to see the latest trends and styles in interior and exterior design.  Below is a home featured on Freshome.com for its unique yet simple styling. Both the exterior and interior of this home display some exceptional features that could inspire your next project... Click here for the full article and more photos: http://freshome.com/2012/03/25/eccentric-details-showcased-by-modern-villa-in-athenes/

 

modern home 1

Tags: cape cod custom builder, House Design, Interior Design, custom builder

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