Hurricane season starts June 1st - November 30th and FEMA reports that everyone in Harris County lives in a flood zone. Even if you haven't flooded before, someone floods for the very first time every time there is a flood. Changes in residential building and infrastructure changes the run off of water that you may not be aware of. As little as a few inches of water and cause repairs such as replacing all the flooring, up to 5 feet high of sheetrock and insulation, plus the cost of fans to prevent mold growing as most insurance policies don't cover mold.
-Everyone lives in a flood zone. (For more information, visit floodsmart.gov -Most homeowners insurance does not cover flood damage. -Just an inch of water can cause costly damage to your property. -Flash floods often bring walls of water 10 to 20 feet high.
-A car can easily be carried away by just two feet of floodwater. -Hurricanes, winter storms and snowmelt are common (but often overlooked) causes of flooding. -New land development can increase flood risk, especially if the construction changes natural runoff paths. -Federal disaster assistance is usually a loan that must be paid back with interest. For a $50,000 loan at 4% interest, your monthly payment would be around $240 a month ($2,880 a year) for 30 years. Compare that to a $100,000 flood insurance premium, which is about $400 a year ($33 a month). -It takes 30 days after purchase for a policy to take effect, so it's important to buy insurance before the floodwaters start to rise. -Your home has a 26% chance of being damaged by a flood during the course of a 30-year mortgage, compared to a 9% chance of fire. -Last year, one-third of all claims paid by the NFIP were for policies in low-risk communities. -The average annual U.S. flood losses in the past 10 years (1994-2004) were more than $2.4 billion.
Below are packaged prices for zones that don't have a history of flooding in Harris county, typically referred to as "non flood zones". This is a government policy so the price should be the same, no matter which company the policy is purchased from
Below are packaged prices for zones that don't have a history of flooding in Harris county, typically referred to as "non flood zones". This is a government policy so the price should be the same, no matter which company the policy is purchased from
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