The house cost me about $300,000 to build — so the pier and beam added about 1.5 percent to the cost of the house. Flood insurance is going to cost me at least $12,000 over 30 years. Which gives ...

The five-bedroom house at 10 Chapman Blvd was constructed with a top quality “pier and beam” foundation, which is rarely used in modern home building because it’s more expensive, its seller ...