Risk is defined as a combination of probability and consequence. If the likelihood of a significant flood is high and the consequences are severe, we say it is a “high” risk, as when a flood causes many victims and properties suffer from considerable damage. If the probability of a flood is low and the consequences […]
Category: flood zone expert
What Is The ‘100-Year Flood’ All About?
Some people say they are not located in a 100-year flood zone because their property hasn’t flooded in 100. Even though it is a reasonable thing to say, it is unfortunately incorrect. The “100-year flood” is one of the most misunderstood terms in disaster preparedness. What’s A 100-Year Flood And How Is It Determined? In […]
Your Guide To Every Type of Flood Zone
Floods happen more than you’d think. In fact, almost 90% of all natural disasters involve flooding. To reflect the risks in each part of the country, the Federal Emergency Management Agency (FEMA) has issued Flood Insurance Rate Maps (FIRMs) that show areas of high and moderate to low risk of flooding. More than 20,000 cities […]
Is My Home At Risk Of Flooding?
Flooding is a risk for anyone who lives in an area that rains. Even if you live in a low flood-risk area, you can still be susceptible to flooding. This is true for those who live near the coast, in mountains, on flatlands, and pretty much anywhere. In fact, according to FEMA, twenty-five percent of all flood […]
What Everyone Should Know About Determining Flood Zones
When you want to know the impact that future flooding may have on a particular piece of real estate, you may find yourself wondering how and who determines flood zones. Well, it isn’t a secret. In fact, the federal government has a lot of information on the topic (See fema.gov/flood-zones). FEMA, the Federal Emergency Management Agency, is […]
Is Your Home in a Flood Zone?
The possibility of losing everything you own in a flood might not be something you think about every day. Nevertheless, it’s important to know that most home insurance policies don’t cover flooding – even those caused by natural disasters. If you live within a flood zone, you’ll need a separate flood insurance as part of […]
Flood Insurance Remains in Washington’s Back Burner
When was the last time you saw the news? While some people are information junkies, others are so jaded with the current political climate, it’s just easier to ignore it all and go on about your lives. And that’s fine, except when what’s going on in Washington may affect you personally. A few months ago, […]
How FEMA’s Proposed Changes Will Cost You
Back in April, we posted a blog explaining what are FEMA’s Flood Insurance Rate Maps (FIRM). In a nutshell, FIRM are maps that are redesigned every couple of years, to reflect recent environmental changes that may have affected a specific area’s flood probabilities. This means that it is entirely possible to go from having your […]
Steps To Take If Your Home Suffers Flood Damage
You’ve done everything a responsible homeowner would do. You verified whether you reside in a high-risk flood zone and purchased flood insurance (knowing fully well homeowner’s insurance won’t cover floods). You tried to protect your family and your home as best as possible. That said, once summer came in our beautiful sunshine state, along came […]
FEMA’s National Flood Insurance Program is in Deep Water
How much money do you spend on flood insurance each year? If a natural disaster were to hit your hometown tomorrow, do you know what would be covered? Or are you making monthly payments only because your mortgage lender required you to carry coverage before approving your loan? It’s imperative to know whether you’re at […]