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Old 06-12-2019, 07:05 PM   #1
Artos
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Default Who buys FEMA flood Ins??

Just curious what my fellow TBH members feel about FEMA flood Ins coverage...thinking about hurricane season & was recalling all the threads for those of you who were so unfortunate & if previous thoughts on it have changed for some one way or another.

It's a little over $400 for our humble castle.

Thanks!!
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Old 06-12-2019, 07:18 PM   #2
marceco
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We get it each time we get transferred back to The Metro ; cheap peace of mind .
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Old 06-12-2019, 07:20 PM   #3
DUKFVR
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We have it. We were on edge of flood plain. Now off,but still buy for piece of mind. Ours too is right around 400.
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Old 06-12-2019, 07:22 PM   #4
Huntsman27
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I have it. And as stated above it can be cheap peace of mind.
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Old 06-12-2019, 07:26 PM   #5
Dejashoot
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I just signed up today actually through USAA. Was less than $500 per year for me too. It only covers up to $250k of the structure max and has a $1,200 deductible. Small price for piece of mind.
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Old 06-12-2019, 07:28 PM   #6
Tyrex750
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I have it also
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Old 06-12-2019, 07:30 PM   #7
CaptainDave
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We get it; $450 for the policy. After living through Harvey (we did not flood thank god); it still gives us a piece of mind. Sure, the policies are capped...$250K for dwelling and another $100K on contents, I believe; but that's still a lot for the average home.

I personally know several families that flooded during Harvey and only about a 1/3 of them had flood insurance. Let's just say the ones that didn't were completely screwed and a couple of them had full losses.

Another way of looking at the premium is on a monthly basis. $450 for 12 months is only $37.50 per month. People pay 2 to 3 times more than that monthly for cell phone and internet.
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Old 06-12-2019, 07:36 PM   #8
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Yes indeed!
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Old 06-12-2019, 07:47 PM   #9
careybirdwell
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We have had it since the flood of 1994 in the Conroe area. Knock on wood, we have never had to use it
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Old 06-12-2019, 07:49 PM   #10
Edward F
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Wife and I close on our new house in two weeks and got a quote around $400.
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Old 06-12-2019, 08:33 PM   #11
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Same here as above
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Old 06-12-2019, 08:38 PM   #12
FVR JR
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It's a good thing to have. The fema maps can be really lacking in what they show. Many homes that flooded in harvey weren't in a mapped floodplain, mainly because harvey was bigger than a typical fema design storm. Plenty of places have local drainage issues that aren't shown on the maps. To me $400 would be worth it.

Last edited by FVR JR; 06-12-2019 at 08:40 PM.
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Old 06-12-2019, 09:16 PM   #13
captainsling
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Best $450 peace of mind ever..
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Old 06-12-2019, 09:20 PM   #14
hogslayer78
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Best flood insurance you can buy I have been told. My mom's house flooded back when Porter got hamered a month ago and she didn't flood during Harvey. She has fema insurance. The contractor said they are hands down the easiest to work with compared to state farm, all state, ect.
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Old 06-12-2019, 09:30 PM   #15
captainsling
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Quote:
Originally Posted by hogslayer78 View Post
Best flood insurance you can buy I have been told. My mom's house flooded back when Porter got hamered a month ago and she didn't flood during Harvey. She has fema insurance. The contractor said they are hands down the easiest to work with compared to state farm, all state, ect.
I was under the impression that ALL flood insurance is FEMA. You just purchase through your insurance company. Rates are all the same for the coverage and zones.
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Old 06-12-2019, 09:34 PM   #16
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Quote:
Originally Posted by captainsling View Post
I was under the impression that ALL flood insurance is FEMA. You just purchase through your insurance company. Rates are all the same for the coverage and zones.
Im not sure but my moms policy is fema 100%. Her contractor said they are the best? Policies through the big companies are a nightmare. You may be right buddy. Im just stating what they told me a couple weeks ago. As soon as they showed up they ask who she was covered with. This is our first time dealing with flooding.
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Old 06-12-2019, 09:40 PM   #17
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We pay ours directly through FEMA every year. Too cheap not to have and it sure as nice to have it when we needed it a few years back. 5" water through the house costs a lot of money. They were slow to pay and I'm happy I was in a position to remodel out of pocket until we got our payment from FEMA, but I was in a better position than both of my neighbors that flooded the same with no flood insurance.

If you live anywhere around Houston, it's not IF you flood, it's WHEN. Be prepared.
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Old 06-13-2019, 03:56 AM   #18
Maui-diver
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Try $6500 a year in Maui County.
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Old 06-13-2019, 06:15 AM   #19
lovemylegacy
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Got it...its cheap where Im at
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Old 06-13-2019, 06:21 AM   #20
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$2500 for me🙄
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Old 06-13-2019, 06:24 AM   #21
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Need to call and renew mine today actually. Expires 6/20. I've spent $450 on a lot less. Drove me nuts during Harvey knowing i let it lapse. Thank god no issues, but just not worth the risk. Construction changes everything.

As a note- you can't get it when a named storm is in the gulf, and I think it takes 30 days to take effect so don't think you can grab it when something looms.
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Old 06-13-2019, 06:24 AM   #22
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I have it, my last house flooded during Ike, luckily I had it then too.


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Old 06-13-2019, 06:39 AM   #23
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Quote:
Originally Posted by zztex View Post
$2500 for me🙄
Because you live in a flood zone?
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Old 06-13-2019, 06:53 AM   #24
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Like captainsling said, I too thought FEMA was the only place to get flood insurance. I was also under the impression it is cheap UNLESS you live in a flood zone. If in a flood zone, price increases the closer you get to a standard flood plane.

Do any of our resident insurance agents know the truth?

.....and God Bless America.
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Old 06-13-2019, 06:56 AM   #25
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Quote:
Originally Posted by zztex View Post
$2500 for me🙄
Why so much? I got quoted a couple years ago for around 500 but never got it. The only way I will flood is from a storm surge and windstorm covers that.
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Old 06-13-2019, 07:24 AM   #26
IbeHuntn
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I live in southern Brazoria county, yep I got it and we didn't flood during Harvey but you never know what mother nature will throw at you next so its all about peace of mind
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Old 06-13-2019, 07:28 AM   #27
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Yes on residence and bay house.
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Old 06-13-2019, 07:32 AM   #28
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Absolutely.
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Old 06-13-2019, 07:37 AM   #29
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I've been told that if you have it and your property is zoned into the floodplain in the future, you get to keep the current rate and you can sign it over to a future buyer when you sell. Can any of you insurance guys confirm that?
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Old 06-13-2019, 07:41 AM   #30
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Quote:
Originally Posted by Lungbustr View Post
Because you live in a flood zone?
Yes
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Old 06-13-2019, 07:48 AM   #31
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We do, rates depend on your fema zone. Ours is through farmers, usaa wanted a ton more since they were adamant that it was in a higher zone
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Old 06-13-2019, 07:51 AM   #32
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Quote:
Originally Posted by deerplanter View Post
Why so much? I got quoted a couple years ago for around 500 but never got it. The only way I will flood is from a storm surge and windstorm covers that.
I donít know who told you windstorm would cover storm surge
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Old 06-13-2019, 07:59 AM   #33
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Quote:
Originally Posted by captainsling View Post
Best $450 peace of mind ever..
Same here
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Old 06-13-2019, 08:10 AM   #34
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Quote:
Originally Posted by captainsling View Post
Best $450 peace of mind ever..
Yep!
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Old 06-13-2019, 08:27 AM   #35
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Quote:
Originally Posted by JayB View Post
Like captainsling said, I too thought FEMA was the only place to get flood insurance. I was also under the impression it is cheap UNLESS you live in a flood zone. If in a flood zone, price increases the closer you get to a standard flood plane.

Do any of our resident insurance agents know the truth?

.....and God Bless America.
FEMA is 100% not the only place to get flood insurance...in 2012 congress passed the Biggert-Waters act that allowed private insurance companies to write flood policies.. They must adhere to the NFIP guidelines (they can be better, just not worse). These markets will ALMOST ALWAYS be 40-75% cheaper... but they don't "have" to insure everybody....If it's cheap with FEMA, then it will be cheaper and likely better with a private flood carrier. You are correct that pricing increases closer to the proximity of the floodway.
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Old 06-13-2019, 08:35 AM   #36
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Quote:
Originally Posted by jlp04c View Post
FEMA is 100% not the only place to get flood insurance...in 2012 congress passed the Biggert-Waters act that allowed private insurance companies to write flood policies.. They must adhere to the NFIP guidelines (they can be better, just not worse). These markets will ALMOST ALWAYS be 40-75% cheaper... but they don't "have" to insure everybody....If it's cheap with FEMA, then it will be cheaper and likely better with a private flood carrier. You are correct that pricing increases closer to the proximity of the floodway.
I need to look into this. Thanks
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Old 06-13-2019, 08:37 AM   #37
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Get it! Even if you are't in flood plain, or don't think you have anything to worry about. it is so cheap and can really help.
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Old 06-13-2019, 08:55 AM   #38
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I rode through Harvey without it here in west Houston, and was very fortunate to not need it. First thing I did afterwards was call my agent and get signed up. Like all have said above $400 is cheap peace of mind, especially if you have to sit through something like Harvey. I can't tell you how nerve wracked I was after that.
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Old 06-13-2019, 08:59 AM   #39
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$400 for peace of mind in Houston. You bet.
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Old 06-13-2019, 09:07 AM   #40
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Not me. I live 7 miles from the water and I am surrounded by bayou and canels. I like living on the edge. For the $350 flood insurance would cost me....I can take the family out to eat 5-6 times or buy a new pelican cooler. Priorities!
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Old 06-13-2019, 09:11 AM   #41
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Quote:
Originally Posted by deerplanter View Post
Why so much? I got quoted a couple years ago for around 500 but never got it. The only way I will flood is from a storm surge and windstorm covers that.
You need to get a different agent if this is what you were told. That is 100% false. It's written out very well and storm surge is only covered by flood insurance.
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Old 06-13-2019, 09:17 AM   #42
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Quote:
Originally Posted by zztex View Post
i donít know who told you windstorm would cover storm surge
this^^^^^
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Old 06-13-2019, 09:18 AM   #43
Mike
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As someone that went through Ike in 2008 with no flood insurance and then again with Harvey in 2017 with flood insurance. BUY IT!!!!

Our house was 6 months old and had about 40" of water in Ike, in Harvey, we got 6" in the same house. A lot of things have changed over 9 years. Even without insurance in 2008, we received FEMA money and were rebuilt before Christmas, well before anyone with flood insurance in our neighborhood. The folks without insurance in Harvey received about 2/3 of what the 2008 numbers were and had to jump through hoops to get it.

Buy the Flood Insurance, it's a cheap peace of mind.
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Old 06-13-2019, 09:53 AM   #44
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Bought my house in Katy that backs up to the diversion channel of Buffalo Bayou in 2007. Being from the country and knowing what bayou's are for, I bought flood insurance even though I was out of the 100 year flood zone. After a few years, a few hurricanes and lots of other flooding near by we never had any issues so I let it go at some point. I think it was honestly just laziness and not calculated.

Fast forward to 2016, tax day flood. Water came up in the street, not from the bayou. I bought flood insurance the next week.

2017 brought Harvey and we had 26" of water in the house. Thank God we had flood insurance as it saved our "assets". Was it easy to deal with? No, but it was worth every penny. My only regret is that I didn't get the max policy limits, which I now have fixed.

$400 is cheap insurance. If you have to ask the question do yourself a favor and buy it.
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Old 06-13-2019, 09:55 AM   #45
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Quote:
Originally Posted by zztex View Post
I need to look into this. Thanks
No, do NFIP (FEMA). Don't over think it. I heard nightmares from neighbors with private flood insurance companies.

Last edited by Hockley; 06-13-2019 at 09:58 AM.
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Old 06-13-2019, 09:56 AM   #46
Ingledink91
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it's all through FEMA, NFIP, Insurance agency's are just policy writers all prices are the same. Very cheap insurance, I have had to use it once.
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Old 06-13-2019, 10:20 AM   #47
topduarte
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Keep in mind with the new flood data being accepted by many cities and counties.

Austin will now consider the existing 500 year floodplain as the new 100 year flood plain. Travis County did the same even though I disagree because the southern Travis County is on par with 3"+ increase from the new data while Pflugerville(northern Travis County) has an increase in intensity of about 1.6".


4,000 homes in Austin were in the old floodplain, that is now increasing to 7,200 homes.


Check with you local Floodplain administrator if ATLAS 14 data is changing your floodplains.

Feel free to pm me here with any questions or text me at 512 947 5537
.

Manny Duarte, P.E. City of Pflugerville Interim Floodplain Administrator
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Old 06-13-2019, 10:38 AM   #48
Atfulldraw
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Quote:
Originally Posted by captainsling View Post
I was under the impression that ALL flood insurance is FEMA. You just purchase through your insurance company. Rates are all the same for the coverage and zones.
Quote:
Originally Posted by JayB View Post
Like captainsling said, I too thought FEMA was the only place to get flood insurance. I was also under the impression it is cheap UNLESS you live in a flood zone. If in a flood zone, price increases the closer you get to a standard flood plane.

Do any of our resident insurance agents know the truth?

.....and God Bless America.
Quote:
Originally Posted by Mike View Post
You need to get a different agent if this is what you were told. That is 100% false. It's written out very well and storm surge is only covered by flood insurance.
Correct. Surface water is excluded by the vast majority of homeowners policies. A few will cover it, but it's the exception not the rule.



You can buy private flood insurance.

If you need more that the $250k/100k limits of NFIP, go to Pure and you can add more.

https://www.pureinsurance.com/coverage-solutions/flood

I worked a lot of flood claims during Harvey that maxed out their coverages with less than a foot of water.

I'm getting to the point that I think everyone within 10 vertical feet of a flood zone should be required to have flood insurance, and I'm generally a libertarian.....
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Old 06-13-2019, 02:32 PM   #49
denimdeerslayer
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Nope, I built my house on a hill. If mine floods there wont be much else left.
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Old 06-13-2019, 02:59 PM   #50
TXHUNT3R
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Yes, we flooded once. Don't want to go through that again without insurance.

We are not in a flood zone, so it was cheap. Memorial floods and freak rains got us. I fixed the problem on our land but still worth it for peace of mind.
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