re: Risk 2.0 - FEMA Finnda Eat!

The FEMA rule of 2 floods within any 10 year period needs to be revamped as well if they are making changes. Bought a house and the owners at the time “didn’t carry flood” but we were told we would be a Flood Zone X. A few months later we are notified of this rule and get hit with the highest premiums. We have been in the home 10+ years now with zero flood claims.

At what point will residents be able to pursue actions against local government for failing to maintain proper drainage is another issue. It’s pretty well documented how crappy our current drainage system is, and pumps seem to “fail” constantly but when our homes flood, we have to fight with insurance to restore what we had regardless of the pumps failing and drains being clogged with beads, trash, debris, vehicles, etc. It blows my mind that homeowners haven’t banned together to go after this.