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Re: O/T Flood zone insurance
Posted by Rick D [Email] (more from Rick D) on Mon, 8 Aug 2005 19:49:09
In Reply to: O/T Flood zone insurance, BobS, Mon, 8 Aug 2005 19:35:34
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In my experience, the lender required it for the 99-year flood zone--no option. The insurance itself is federally underwritten and thus, somewhat less expensive than it might otherwise have been. Due to levee improvements in the area, they've changed the flood maps and now we're in an over 100-year zone, so the insurance is no longer mandatory. We decided to keep a policy, but the rate dropped by about 2/3rds.
The only way to have avoided mandatory flood insurance would have been to own our house in full. Wouldn't that be nice :-)
Good luck,
--Rick
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