@JLeslie, most assessors sites are online these days. Great advice about paying attention to where it could be going.
If you purchasing higher than what the assessor values it at, it will likely be raised over the next few years. Use the higher of the two to determine how much you’ll be paying couple years down the road. Know that there is a difference between a tax appraisal and an assessment. Usually calculated like this: $100,000 house is assessed at 25% of appraisal ($100,000 X 25% = $25,000 tax assessment). The taxes are based on a rate of $4.00 / every $100 of assessment. Therefore in this case it would be $25,000/100 X $4.00 = $1,000 per year. That $4 is the millage rate Jleslie is talking about.
If your down payment is going to be as low as you say you will likely have to have mortgage insurance. I think you would have to get a quote from your lender, devide by 12 and add to mortgage.
Hazard insurance (if the house burns down), quote comes from regular agent.
All of these cost will be rolled into your payment. Lender does that to make sure they get paid.
JLeslie, below is a link for free look up of FEMA flood maps. Mowens will need to be in a municipality that participates in the FEMA program, otherwise wont be able to get it. Gotta run, not spell check applied.
http://www.msc.fema.gov/webapp/wcs/stores/servlet/CategoryDisplay?catalogId=10001&storeId=10001&categoryId=12001&langId=-1&userType=G&type=1&dfirmCatId=12009&future=false