This flood was an eye opener, went bought flood insurance.

honestly, I plan to do the same thing...

I have always thought that "there is no way my house will flood" well, there is always a way...and if it happens it can set you back so far you won't recover.

You know flood insurance is so damn high and it has to be paid in full. If the gubment would let you spread it out in payments I bet a hell of a lot more people would have flood insurance.

Use your escrow account to pay for it assuming your mortgage company will let you.

If you are not in a flood zone it is typically <$500 per year.

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seems like a no brainier for 1-3K per year

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well, if it is going to cost me $3K per year, I may have to think about it a bit longer...

House is paid for and wife and I are on social security. Makes it hard to pay a big lump sum.

Most of the time if you are in a required zone your mortgage company pays the upfront cost at closing and thus it is reflected in your monthly mortgage note essentially becoming a monthly payment. And flood coverage won't be optional. In fact most independent insurance companies will not write a home insurance policy for a home in a required zone that does not carry flood insurance


If you are in a non required zone the max you are going to be paying on the year is $450 for a primary residence

I would venture to say it's a safe bet that the hefty majority of people with no flood coverage in this disaster fall into the non required zone portion of this

I'm in a flood zone and didn't have flood coverage. So at that price I lost everything.

I'll check into that once and if I get my house redone. I have already signed up with fema to try to get some assistance at the gripes of taxpayers. Even if it is s little bit to get us in the house. Long road to hoe. Water and mud was 2ft from ceiling. Wish me luck. Can't stand to stay with MIL too much longer.

I'm in zone AE and it's only 870$ I think. Have to double check that

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My guys looking at my options, seems like a no brainier for 1-3K per year

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That much? If it's that expensive you must really need it. Are you getting a supplement or something? One corner of my house is A6 and the rest is X so I have to pay at A6 rate and it;s like 540 a year for the max coverage of 250/100. Does anybody sell supplemental that pays past the 250?