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<blockquote data-quote="Obi-Wan" data-source="post: 420888" data-attributes="member: 709">for me It costs about the same as a cup a coffee a day.&nbsp; &nbsp; If one is &quot; out of the flood plain&quot;&nbsp; the costs are quite a bit cheaper than someone &quot;in the flood plain&quot;.&nbsp;&nbsp; Those in S. Bismarck that were dumped into the recent flood plain remapping recently and have a basement are going to be in for a shock.&nbsp; Flood insurance does not cover finishes in a basement such as carpeting, painting, doors, baseboard, and such.&nbsp; In 2011 fema covered all those things up to $ 29,000 for those that did not have flood insurance, which was a kick in the nuts for those that carried flood insurance.&nbsp; While my house did not or still does not require flood insurance I have had it since I purchased the home.&nbsp; In 2011 I ended up with about 18&quot; of ground water in the basement, when the power went out.&nbsp;&nbsp; I would have been better off not having the flood insurance as fema covered all those items listed above.&nbsp; &nbsp; While meeting with the flood insurance and fema guys in 2011 the fema&nbsp; guy looks at the flood insurance guy and says &quot; you don't cover those items ? &quot; his response was &quot; no &quot;.&nbsp; &nbsp;&nbsp; Keep in mind both are using the same funds to cover the damages and neither knows what the other 1/2 is doing.&nbsp;&nbsp; The fema guy told me they would not cover the damages not covered by flood insurance because I had flood insurance and that would be double dipping.&nbsp; &nbsp; my request to fema was to cover only the items not covered by my flood insurance, not cover everything.I still believe the severity of the 2011 flood was do to the policies and incompetence of the COE.</blockquote>

[QUOTE="Obi-Wan, post: 420888, member: 709"] for me It costs about the same as a cup a coffee a day. If one is " out of the flood plain" the costs are quite a bit cheaper than someone "in the flood plain". Those in S. Bismarck that were dumped into the recent flood plain remapping recently and have a basement are going to be in for a shock. Flood insurance does not cover finishes in a basement such as carpeting, painting, doors, baseboard, and such. In 2011 fema covered all those things up to $ 29,000 for those that did not have flood insurance, which was a kick in the nuts for those that carried flood insurance. While my house did not or still does not require flood insurance I have had it since I purchased the home. In 2011 I ended up with about 18" of ground water in the basement, when the power went out. I would have been better off not having the flood insurance as fema covered all those items listed above. While meeting with the flood insurance and fema guys in 2011 the fema guy looks at the flood insurance guy and says " you don't cover those items ? " his response was " no ". Keep in mind both are using the same funds to cover the damages and neither knows what the other 1/2 is doing. The fema guy told me they would not cover the damages not covered by flood insurance because I had flood insurance and that would be double dipping. my request to fema was to cover only the items not covered by my flood insurance, not cover everything. I still believe the severity of the 2011 flood was do to the policies and incompetence of the COE. [/QUOTE]

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