re: Anyone else rethinking voluntary flood insurance?

We’re in a flood X zone and carry flood insurance. I think it’s like $500/year for us in New Orleans.

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f you live in Baton Rouge, and didn't come close in 2016, or last night, what the hell has to happen for you to flood?

2016 was what, a 1,000 year flood? 15"+ of rain in the span of about 12 hours last night? I mean the only thing i can think of is massive rain, and then the mississippi river levees break.

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FEMA Definition of what constitutes a flood:

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A flood is a general and temporary condition where two or more acres of normally dry land or two or more properties are inundated by water

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there are two types of floods.

Flash Flood: Rain comes down so fast that it cant get into the draiage system fast enough to prevent rising waters or the drainage system is over loaded. This could happed on a street with a drain being blocked.

Back Water flooding: when rain his a large area and as it funnels into the tributary system it hits capacity load and begins to back up.

i know people who flooded on the first night of rain in 16 to see the water quickly recede, then flood again two days later from the river system backing up

take the heavy rain totals from 16 that mostly hit the comite/amite basin north of BR and move that over the Bayou Fountain/Claycut Bayou/Wards Creek/Dawson Creak area (like last night but 13" instead of the 24+ we say in 16)

and then look at Harvey in houston 50"+ and you double 2016 totals....

$500/yr is cheap in prospective.....

I didn't flood in 2016 but I damn sure got flood insurance after that and will always have it now.

My in laws are in flood zone x but have had flood insurance forever. The 6” of water they got last night was well worth the investment.

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bet ya $100 you weren't

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You’d lose - only paid ~$340 for my flood insurance that year

Everyone should have Flood Insurance. For $250k/100K in coverage its only $573 a year if you are in a preferred risk zone. You're talking about paying $48 a month for peace of mind, well worth it. Especially since it seems like these 100 year/1000 year floods are becoming more relevant.

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You’re in a preferred flood zone, no such thing as no flood zone

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In 2005? Don’t really want to argue lingo - bc it was almost 16 years ago - my point was - We didn’t have to have the flood insurance- it was cheap and we bought it - less than a dollar a day

Which helped with the hurricane and the house insurance you pay so much for does absolutely nothing

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We're five steps ahead of you. We're letting you know your lingo is incorrect.

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And that matters why? My point is to get the damned flood insurance. Bc even if you’re told you don’t need it, you might and in SE LA you probably will

Just to add this here. If you have flood insurance and suffered damages, I can't stress it enough to take pictures immediately of everything damaged to include the standing water inside and outside of your home and property.
It was one of the first thing the adjuster asked for when they arrived to begin the claim process.