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Started By
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re: If you didn't flood in Baton Rouge are you now getting flood insurance?
Posted on 8/23/16 at 11:40 am to tigeraddict
Posted on 8/23/16 at 11:40 am to tigeraddict
quote:
Relocate those 30" of rain in a 48 hr period to your subdivision, and chances are you will get flash flood water....
but the premise of this thread is that your subdivision did handle that 30" of rain and did not flood
2
Posted on 8/23/16 at 11:41 am to mpar98
I'll take the $450 yearly bet against the government that their flood maps are wrong/outdated. $450 is also cheap to prevent my wife from killing me.
Posted on 8/23/16 at 11:41 am to mpar98
I live in Lafayette and just got flood insurance last week.
We didn't flood, but it was a little too close for comfort.
We didn't flood, but it was a little too close for comfort.
Posted on 8/23/16 at 11:41 am to Salmon
no not really salmon. not all was equal in baton rouge with this specific rain event.
Posted on 8/23/16 at 11:43 am to Chad504boy
quote:
not all was equal in baton rouge with this specific rain event.
I'm sure it wasn't
but it was a fairly decent barometer on how your property and neighborhood would handle a large amount of rain
Posted on 8/23/16 at 11:44 am to lsupride87
quote:
attaching a percentage to this makes no sense. I never understand why people do this when dealing with money.
Seriously? It helps show relativity. Instead of just saying as a blanket statement that "Flood insurance is only $40/month and that is cheap."
It may be easily affordable, but cheap? Compared to what? I don't think it's cheap by any means.
Posted on 8/23/16 at 11:45 am to Salmon
I am not saying I won't get flood insurance now but I read in advocate that his type of storm has essentially 0.2-0.3% have of Happening in a year
If your house didn't flood Pretty irrational to get it for those low chances and the chances will be much lower for the event where your house does flood.
Example of a traumatic experience being at fore front of our minds causing us to be very adverse to big consequence regardless of low probability.
If your house didn't flood Pretty irrational to get it for those low chances and the chances will be much lower for the event where your house does flood.
Example of a traumatic experience being at fore front of our minds causing us to be very adverse to big consequence regardless of low probability.
This post was edited on 8/23/16 at 11:47 am
Posted on 8/23/16 at 11:46 am to PhiTiger1764
quote:
but cheap? Compared to what?
cheap compared to the cost of being uninsured.
can you afford $450?
can you afford to be flooded uninsured?
Posted on 8/23/16 at 11:46 am to PhiTiger1764
quote:an AT&T or Entergy bill
Compared to what?
Posted on 8/23/16 at 11:47 am to mpar98
I'm in AZ and flood insurance is something I will purchase when I buy a home. I rent now so will be looking into renter's flood coverage once I can help my parents.
Houses can flood anywhere....even in AZ. Just a couple weeks ago a couple neighborhoods in PHX got flooded due to monsoons.
I feel stressed out for my parents pretty much 24/7 right now. I never want to feel this stressed out over water damage again in my lifetime.
Houses can flood anywhere....even in AZ. Just a couple weeks ago a couple neighborhoods in PHX got flooded due to monsoons.
I feel stressed out for my parents pretty much 24/7 right now. I never want to feel this stressed out over water damage again in my lifetime.
Posted on 8/23/16 at 11:48 am to Salmon
and history is hardly a guage of the future when you also consider topography changes and subdivisions popping up etc.
Posted on 8/23/16 at 11:50 am to lsunurse
quote:
I'm in AZ and flood insurance is something I will purchase when I buy a home.
Even if you buy in a high area that has virtually no chance of flooding?
quote:
Houses can flood anywhere....even in AZ. Just a couple weeks ago a couple neighborhoods in PHX got flooded due to monsoons.
And I bet they all have a few things in common... lower elevations than surrounding areas and some sort of drainage ditch/canal that overflowed.
Posted on 8/23/16 at 11:50 am to Salmon
quote:
but the premise of this thread is that your subdivision did handle that 30" of rain and did not flood
that is yes and no. what was the duration over 2 hrs or 3 hrs. thats the part of the equation that is arbitrary.
Getting insurance is a risk analysis equation. Never say never on something happening or not. The question is are you willing to take the risk and roll without insurance.
Each person is to make that call...
Posted on 8/23/16 at 11:53 am to LSUBoo
quote:There are areas of Houston that flooded twice in a 12 month period that had never come close to flooding.
And I bet they all have a few things in common... lower elevations than surrounding areas and some sort of drainage ditch/canal that overflowed.
Posted on 8/23/16 at 11:55 am to mpar98
Asked my dad this and he showed me a topography map.
If his house floods, the city of Baton Rouge is the next Atlantis
If his house floods, the city of Baton Rouge is the next Atlantis
Posted on 8/23/16 at 11:55 am to TennesseeFan25
quote:
Psh... "this was a 500 year flood event"
By that math I must be in a 1000 year flood zone, and I don't even plan on living for another 500 years.
This may have already been addressed, but I'm not reading the 5 intervening pages of crap since you posted this.
The 500 or 1000 year flood descriptor is a misnomer. The statistic comes from likelihood of this amount of rain/flooding in any given year.
For the "500 year flood" narrative, a 0.2% chance per year has been calculated. (.002 x 500 = 1)
For the "1000 year flood" narrative, a 0.1% chance per year has been vacillated. (.001 x 1000 = 1)
I'm not sure how old the average poster on here is when they buy their first house, but let's assume it's 30 and let's assume they either keep the same house their whole life or they move to a similarly-risked flood area, and that they live to be 85 years old. 55 years in that house equates to a >10% chance cumulatively of flooding in that time for a 500 year flood event and a >5% chance cumulate lot of flooding with a 1000 year event.
So you mean to tell me, given your low risk level as assigned by the government and the low flood insurance premiums that come with it, that it isn't worth it to you given a 10% chance of losing what is likely several years worth of your annual salary worth of property?
At least that's my take on it.
Posted on 8/23/16 at 11:56 am to Oddibe
quote:
There are areas of Houston that flooded twice in a 12 month period that had never come close to flooding.
Why?
If that's the case, then most likely something changed to affect the way water drained from those areas.
Posted on 8/23/16 at 11:57 am to LSUBoo
quote:doesn't matter, it didn't come close before in previous floods therefore its illogical to purchase flood insurance after.
Why?
Posted on 8/23/16 at 11:58 am to TIGERSandFROGS
Nope, I'm good. 
Posted on 8/23/16 at 12:00 pm to Chad504boy
quote:
doesn't matter, it didn't come close before in previous floods therefore its illogical to purchase flood insurance after.
I wasn't asking you, Chad.
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