So how many here are looking into flood insurance? I think that no place is safe and I am.

[lonestarnot]

Climate change. Yeah.

[Tx4obama]

1. Saw on TV that you can get flood insurance from the federal government starting at $129 per year

[lonestarnot]

3. Every freak'n time I write that phone number on the board it gets erased.

That's where I want to get mine!

[BlueMan Votes]

2. we live on a hill in flatland...

so....no.

[lonestarnot]

4. Did you build it yourself?

[BlueMan Votes]

5. no...but i am doing my own remodelling.

we bought the house 4 years ago- and home renovation is my hobby. I did major work on every room of our previous house- taking out some walls, and adding others. totally tore out two baths and a kitchen and started from scratch.

[lonestarnot]

8. Then, you might want to look into flood insurance. Just say'n.

[BlueMan Votes]

12. there's nothing around here to flood...

there's a spring-fed pond a few blocks away, with a small creek running away from it, in the opposite direction from our place...and down the hill.

[lonestarnot]

15. Well you invested a bunch of time and money in all that for which global warming knows no boundaries

Sorry that you are not understanding that.

[loli phabay]

19. mayby the guy islike me, if we flood then theres bigger problems

some people geographically would need a biblical flood for water to rise to their property.

[BlueMan Votes]

25. exactly.

Our house probably has a better chance of being destroyed by a meteor than a flood.

[BlueMan Votes]

27. I'm understanding it just fine...

what you're not understanding is that there is virtually NO WAY for our house to be inundated by a flood...unless it was one of those 40 days and 40 nights of rain type of deals.

[SharonAnn]

26. Rain deluges csn saturate the ground and flood your basement. Just sayin'.

Homeowners insurance won't cover it.

[BlueMan Votes]

28. we live on a bit of a hill...

and even in the heaviest of rains, the water all runs away from us, and down the hill.
the best chance for our basement to flood would be if for some reason the water connections to the washing machine or water heater completely failed somehow, and the electricity to the sump pump failed as well(except that there's also a battery back-up to it).

[MrsBrady]

6. I think all flood insurance is

through FEMA, but
they have insurance carriers handle some part of the paperwork..
When I lived in a house we had flood insurance through FEMA, but we paid State Farm.

Call your insurance agent.


http://www.fema.gov/national-flood-insurance-program

[lonestarnot]

9. I will never pay State Farm ever again, not after the way they did NOLA folks.

[MrsBrady]

11. I'm not saying go through State Farm

I'm saying call your insurance agent....

[lonestarnot]

17. Don't trust that bag either. LOL. The number I want will come up again and this time I will write

it on the wall in ink.

[loli phabay]

20. y from what i remember its a federal program that your agent does the paperwork for

and you need to get it before anything happens as it has a wait time and cant be underwritten once there are warnings.

[liberal_at_heart]

7. I'm at the top of a plateau and I rent

Plus I am already struggling to pay all of the other insurance policies I have; life, dental, health, car.

[lonestarnot]

10. I was wondering if flood insurance is available for those who rent for contents and replacement

costs. Flood insurance is very cheap if one doesn't live in a flood proned area.

[loli phabay]

21. from memory you can get it for contents only if you are a renter.

[nolabear]

13. I'm on the crest of a mighty high hill. If I flooded hundreds of thousands would have drowned.

[lonestarnot]

16. Global warming doesn't keep a death toll/property damage/loss count.

[loli phabay]

22. you really believe you would care about flood insurance if it flooded to the top of his hill

if i flood there would be millions dead on the east coast. last thing i would be getting is a check from the fed.

[Zorra]

14. No. I could never afford it.

The home I own is at sea level, 1/4 mile from the ocean. It's toast if a tsunami hits.

[Lugnut]

18. I live pn top of a pretty big mountain.

The elevation here is over 1900 feet. If it floods here a lot of people are in really big trouble.

[loli phabay]

23. same here,

[Llewlladdwr]

24. You may need wind storm also

I'm on the Gulf Coast and have to carry both, wind and flood damage aren't covered by normal homeowner's insurance, at least not here in Texas.