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Private flood insruance compliance

Compliance Information Flood Insurance Reform and Modernization ______________________________________________________________________ THIS POLICY MEETS ALL OF THE PROVISIONS REQUIRED BY: The National Flood Insurance Act of 1968, as amended; and The Flood Disaster Protection Act of 1973, as amended, 42 U.S.C. §4001 et. Seq.; including Biggert Waters Flood Insurance Reform Act of 2012, 42 U.S.C. Ch. 50 National […]

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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

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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

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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

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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

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Why you need flood insurance

Why You Need Flood Insurance

Why You Need Flood Insurance: A Vital Lifeline Against Nature’s Wrath Imagine this: the skies darken, the wind howls, and the rain pours down in relentless sheets, turning serene streams into raging rivers and quiet streets into turbulent torrents. It’s the kind of scene that belongs in an apocalyptic movie, but for many, it’s an

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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

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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.

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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.