Author name: betterflo

Why aren’t property owners getting private flood insurance to protect their investments? 

The Hard Truth About Flood Insurance—And Why Most Homeowners Are Gambling with Financial Disaster Floods Are Getting Worse, But Americans Still Aren’t Protecting Themselves—Here’s Why That Needs to Change Every year, we see catastrophic floods cause billions of dollars in damage. And yet, less than 10% of homeowners in coastal communities have flood insurance. Take […]

Why aren’t property owners getting private flood insurance to protect their investments?  Read More »

How You Can Take Control of the Rising Cost of Flood Insurance

The Brutal Truth About Rising Flood Insurance Costs—And How to Take Back Control Flood Insurance Rates Are Skyrocketing. Here’s How You Can Beat the System. If you own property, flood insurance isn’t optional—it’s financial survival. And yet, year after year, premiums keep rising. Most homeowners feel trapped. They think: 💭 “I have no choice but

How You Can Take Control of the Rising Cost of Flood Insurance Read More »

Do I need to buy flood insurance on a ground-unit condo?

Do You Really Need Flood Insurance for Your Ground-Floor Condo? Here’s the Brutal Truth Most Owners Don’t Realize… Until It’s Too Late. There’s a dangerous myth circulating among condo owners—especially those in ground-floor units. It goes something like this: 💭 “I don’t need flood insurance. The condo’s master policy covers everything.”💭 “I’m in an X

Do I need to buy flood insurance on a ground-unit condo? Read More »

Affordable flood insurance

Affordable Flood Insurance: Stop Flushing Your Money Down the Drain & Start Saving Like a Pro Flood Insurance Doesn’t Have to Break the Bank—If You Know Where to Look Let’s be real—most homeowners feel stuck when it comes to flood insurance. 💰 High premiums that seem to rise every year.📄 Confusing policies filled with fine

Affordable flood insurance Read More »

No Flood Insurance

GET A QUOTE No Flood Insurance? Flood Nerd’s Flooded Office and He Doesn’t Have Flood Insurance Flood Nerd’s Flooded Office and the Unexpected Lesson Yesterday started like any other day—pleasant and routine. After enjoying a lovely lunch with my wife, I headed back to my office, feeling refreshed and ready to tackle the afternoon. Little

No Flood Insurance Read More »

Is flood zone X good or Bad? Is flood zone AE bad?

Base Flood Elevation Map

What is BFE (Base Flood Elevation)?

Base Flood Elevation (BFE) refers to the height to which a flood is predicted to reach during the base flood, which has a 1% chance of occurring in any given year. It is based on statistical analysis of river flow, storm tides, hydrologic effects, and rainfall levels. BFE provides a consistent standard for managing floodplain development.

Why does BFE matter?

BFE is used as the regulatory standard for the National Flood Insurance Program (NFIP). It determines the minimum elevation that buildings must be elevated to in order to reduce the risk of flood damage. BFE also impacts flood insurance premiums and a community’s participation in the NFIP. Understanding your property’s BFE helps determine your flood risk.

Finding your BFE:

The Federal Emergency Management Agency (FEMA) provides Flood Insurance Rate Maps (FIRMs) that outline a community’s different flood zones and show BFE data. However, FIRMs may not reflect changes to property and landmarks. Consulting with local floodplain managers, land surveyors, or engineers can provide a more accurate BFE assessment.

Impact of BFE on flood insurance:

Flood insurance rates are determined by a property’s flood zone and relation to the BFE. Rates are lowest for properties well above BFE. Properties below BFE can expect very high premiums. There are private flood insurance alternatives to the NFIP that may offer more competitive pricing.

Building above the base flood elevation:

Constructing new buildings above the BFE provides enhanced flood protection. It also reduces insurance costs compared to building at the BFE level. Many communities require 2-3 feet above BFE for an added factor of safety.

Finding BFEs in Your Town:

Use the FEMA Map Service Center to find your property and identify flood hazards. Cross-reference with local flood maps for greater detail. Work with town building officials to determine requirements related to BFE. A land survey can provide an accurate elevation certificate.

Base Flood Elevation Map Read More »

Is flood zone X good or Bad? Is flood zone AE bad?

Is flood zone AE Bad?

Is Flood Zone AE Bad? Understanding the Risks and Opportunities One common concern among homebuyers is the question, ‘Is Flood Zone AE bad?’ The answer requires a nuanced understanding. Flood Zone AE is classified by FEMA for areas that have a 1% annual chance of flooding and where the wave heights are typically less than

Is flood zone AE Bad? Read More »

Types of Floods

A Flood Nerd’s Guide to Common Types of Floods and How to Keep Your Dwellings Dry Introduction: Your Compass Through the Deluge Ever stood by the window, coffee in hand, and watched the rain cascade down, pondering, “What if the waters decide to take a detour through my living room today?” Well, buckle up, because

Types of Floods Read More »

Cost of flood Insurance

GET A QUOTE Cost of Flood Insurance What Private Flood Insurance options are available to me? How does the cost of Private Flood Insurance compare with that of NFIP? This is a wonderful question and one that we frequently hear: What flood insurance options are available? For 50 years, the National Flood Insurance Program (NFIP),

Cost of flood Insurance Read More »

What’s the NFIP

What is the NFIP? The National Flood Insurance Program (NFIP) was established after the devastating floods that occurred in the US in the 1960s. This government-sponsored initiative is designed to provide affordable flood insurance to homeowners and businesses in high-risk areas or areas with “special flood hazards.” Participating communities agree to adopt and implement minimum

What’s the NFIP Read More »

How much is flood insurance

How do I get a LOMA?

How do I get a LOMA? WARNING: Are you considering requesting a Letter of Map Amendment (LOMA) to drop your flood coverage, since it might not be required by your lender? While the likelihood of a flood may seem low, the devastating financial and emotional impact of a disaster without adequate coverage far outweighs the

How do I get a LOMA? Read More »

Scroll to Top

JULY PROMOTION

Enter to Win the Ultimate Emergency Preparedness Radio!

  1. Shop Your Flood Coverage: Provide us with the opportunity to shop for your flood insurance coverage.
  2. Get a Free Quote: Receive a personalized flood insurance quote.
  3. Automatic Entry: Once you confirm you have receive your quote, you’ll be automatically entered into our drawing.
Promotion Emergency Radio

About the Prize:

Ultimate Emergency Preparedness Radio:

  • Hand Crank and Solar Powered: Never worry about running out of battery with multiple power sources.
  • 2000mAh Power Bank: Keep your phone charged during emergencies.
  • AM/FM/NOAA Weather Radio: Stay informed with up-to-date weather alerts.
  • 3 LED Flashlight: Illuminate your surroundings in low-light conditions.
  • Compact and Portable: Perfect for camping, survival kits, and emergency preparedness.

 

Why Shop Your Flood Coverage with Us?

  • Expert Guidance: Our Flood Nerds are here to help you find the best coverage at the most affordable rates.
  • Free Services: Take advantage of our complimentary flood zone determination.
  • No Obligation: Getting a quote doesn’t commit you to purchase.

Terms and Conditions:

  • The promotion runs from 7/1/2024 to 7/30/2024.

  • One entry per household.

  • Property must require flood insurance and or you must intend to purchase a policy.

  • The winner will be selected randomly and notified via email.

  • No need to purchase from us to win.