OK, you need to check flooding maps, and there's places to assess flood risks. I told you about the small area where 10 houses are designated a flood zone in my area. But in the ranking scales anything above a 1 or 2 out of 10 should consider flood insurance. My residence is 1 out of 10. If your house is by a lake or a river, consider flood insurance. People don't buy the insurance because it's expensive.

Guess what the reason is that only gov insurance covers floods? People build houses in flood plains - which we all know about. But there are places where you can plug in your address and get risk assessments. Per memory I'm Flood 1, Wildfire 9, Wind 9 out of 10. You'll find places that tell you nearly everywhere is a flood zone, but that's overdoing it.

Now I didn't get flood insurance. I'm not likely to be hit by a storm surge at 150 feet above sea level, and I'm far enough away from the lake and upslope enough I'm very unlikely to be flooded that way. So when I decided against flood insurance I'd done some research. For instance, the ground above me can become saturated so there's a possibility a chunk of ground can become loose and slide down the gentle slope.

People don't buy flood insurance because it's separate and expensive. Why do you think Insurance companies don't have flood insurance in their coverage?