we live in the flood plane, but our house was not touched by the 1993 waters - but was hit by the 51 flood. but we are required to have flood insurance
We have our backyard flooded during this season, every year - 12 years now; but were told by our insurance company that coverage here is not available when we bought the house and moved in.
regular insurance agencies often don't offer it, when it is required there is the federal flood insurance thing that our policy is thru - it is required in flood planes to get a morguage
Chris, there is a difference between living on the floodplain, as Star does, and living where runoff from construction on Mt Oread has screwed up the streets at the foot of the hill. Runoff from concrete and insufficient sewers to handle the runoff don't make an area eligible for flood insurance, because what's happening is not what's defined as a *flood*.
Your disasters that are man-made do *not* entitle you to flood insurance, which is a Federally mandated requirement in flood plains and not available otherwise.
During the flooding of Brush Creek many years ago, the *only* Plaza business carrying insurance against water damage was Bennett-Schneider. Book store stock can be damaged by fire sprinklers, and thus their stock did have some insurance against the resulting mess.
Interesting. J is in Moderate to Low, and although the scare tactic on the site (25% of claims are from that demographic!), the problems he used to have weren't from floodplain, but basement flooding. A sump pump took care of that, something I hear is a "must-have" for anyone in KS with a basement.
Yikes, a wet and moldy basement is a Very Bad Thing. At least ours is functional with living space, but apparently the basement issue is a very common one in this neighborhood.
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It told me that our risk is low to moderate.
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Re: It told me that our risk is low to moderate.
My yard regularly gets inches of standing water during long, heavy rains, but so far no flooding over three years here.
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Re: It told me that our risk is low to moderate.
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Re: It told me that our risk is low to moderate.
Your disasters that are man-made do *not* entitle you to flood insurance, which is a Federally mandated requirement in flood plains and not available otherwise.
During the flooding of Brush Creek many years ago, the *only* Plaza business carrying insurance against water damage was Bennett-Schneider. Book store stock can be damaged by fire sprinklers, and thus their stock did have some insurance against the resulting mess.
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Yikes, a wet and moldy basement is a Very Bad Thing.
At least ours is functional with living space, but apparently the basement issue is a very common one in this neighborhood.
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http://www.fema.gov/areyouready/tornadoes.shtm
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http://earthquake.usgs.gov/research/hazmaps/products_data/images/nshm_us02.gif