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Old 03-11-2008, 09:07 PM
 
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Default Do you have flood insurance?

I heard today about a very scary storm back in 2005, I think, where it rained something like 4 inches in 3 hours. Do I need flood insurance? My house is my baby (my first one ) and I don't want a headache.
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Old 03-11-2008, 09:12 PM
 
Location: Up above the world so high!
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Quote:
Originally Posted by searpr View Post
I heard today about a very scary storm back in 2005, I think, where it rained something like 4 inches in 3 hours. Do I need flood insurance? My house is my baby (my first one ) and I don't want a headache.
If you had needed flood insurance you would have been required to buy it at closing The people who need it in Charlotte are in the minority. Where is your home located, maybe I can put your mind at ease?

Last edited by lovesMountains; 03-11-2008 at 09:58 PM..
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Old 03-11-2008, 09:16 PM
Status: " Love is Freedom, Love is Equal, Love Conquers Hate" (set 6 days ago)
 
Location: The 12th State
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just see if it is on a Charlotte or fema flood plain
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Old 03-11-2008, 09:20 PM
 
Location: Yellow Brick Road
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Sometime in the last two years . . . I received a plat showing the flood planes in my area. We have a creek and there was an area near me that is in a flood plane. I can't remember what city department sent those out . . . anyone else get that sort of thing? It may have been from utilities . . . hmmm.

Seems there was a website . . .

Anyway, if you aren't in a flood plane, you should not have anything to worry about. Flood insurance is pricey.

Try this link . . . there are maps . . . and lots of info!

home (http://www.charmeck.org/Departments/StormWater/Flood+Zone/home.htm - broken link)

Last edited by anifani821; 03-11-2008 at 09:22 PM.. Reason: add info
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Old 03-11-2008, 09:33 PM
 
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No flood insurance here.
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Old 03-11-2008, 10:52 PM
 
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Quote:
Originally Posted by lovesMountains View Post
If you had needed flood insurance you would have been required to buy it at closing The people who need it in Charlotte are in the minority. Where is your home located, maybe I can put your mind at ease?
That's exactly what the insurance agent I spoke to today said, but I can't help but remember that moat (ok, maybe it wasn't a moat) around my house when it was raining hard the other day. It was draining properly into the drain in the backyard, but I'm used to Portland/Seattle all day drizzle, not house showers. We live in Steele Creek off of Steele Creek Road and South Tryon.
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Old 03-12-2008, 09:12 AM
 
Location: Up above the world so high!
44,311 posts, read 54,771,183 times
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Quote:
Originally Posted by searpr View Post
That's exactly what the insurance agent I spoke to today said, but I can't help but remember that moat (ok, maybe it wasn't a moat) around my house when it was raining hard the other day. It was draining properly into the drain in the backyard, but I'm used to Portland/Seattle all day drizzle, not house showers. We live in Steele Creek off of Steele Creek Road and South Tryon.
I don't think there is anything close enough to you that should ever cause you to see a flood in your house. In all the time I've lived in Charlotte there have only been a handful of small areas that have flooded that I can recall and neither of them was near you - I don't think you have a thing to worry about
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Old 03-12-2008, 11:41 AM
 
Location: Huntersville
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The surveyor usually can tell you. I did not need it and am near the Catawba!
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Old 03-12-2008, 11:44 AM
 
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I have been told that it is always a good idea to get flood insurance, just in case! It only costs something like $50 - $100 per year. Better safe than sorry.
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