Voluntary Home Buyout Program - Harris County Flood Control District (Houston: homeowners insurance, buying)

[oceangaia]

Originally Posted by Dopo

how does that make me a socialist liberal .... I don't know

To be honest, I haven't tracked your posts enough to have a clue if you're conservative or liberal. Maybe we've argued these issues before but my memory is even worse with usernames than it is with real names.

[Lowexpectations]

Originally Posted by Dopo

Here's the one difference between flood and health insurance
I know that my house will never flood, there's no way to know that a person will never get sick.

BTW,
FEMA (socialist program) encourages people that should get flood insurance, to not do it.
Same goes for Ronald Reagan's socialist EMTALA, that forces hospitals to take care of anybody that comes into an emergency room.

how does that make me a socialist liberal .... I don't know

There's actually no way to know your house will never flood. If you believe that it's just a farce

[Dopo]

Originally Posted by Lowexpectations

There's actually no way to know your house will never flood. If you believe that it's just a farce

Ok, whatever
I can tell you this .... if water gets 6 inches from flooding my house
my church and 1/2 of my neighborhood is going to be calling me for help.

I live in Houston's Hill Country

[Dopo]

the closest house that flooded from my house is exactly 2 miles away in a straight line
https://apps.texastribune.org/harvey...mage-analysis/

I'm done talking about that

Holy crap, I didn't know houses in lake Conroe flooded

[Ghost Town]

Originally Posted by Dopo

the closest house that flooded from my house is exactly 2 miles away in a straight line
https://apps.texastribune.org/harvey...mage-analysis/

I'm done talking about that

Holy crap, I didn't know houses in lake Conroe flooded

Seems like Sunnyside was one of the driest places in Houston. Will it increase demand for the houses there?

[Celiene61]

Originally Posted by testmo

450 is maybe average for homes not in a flood plain. People in the flood plain pay hundreds, thousand dollars more. Even if still never flooded but some suburb house not in a flood plain did. Where do people get off thinking flood insurance isnt a burden on homeowners in a flood plain. Its required for a mortgage but a home is about location. Many people choose to pay and take the risk.

Its also beneficial to cities to have some subsidy for insurance. Imagine houston demolishing every structure in a flood plain, a prior flooded building or residence that isnt elevated 3 feet. A quarter of houston would be debris

Edit: i can tell you im plenty pissed ive been paying $1700 a yr in flood insurance for a 60 yr old 2000sqft home and someone in kingwood without flood insurance got flooded and is getting FEMA money. It is what it is

I am aware that many homeowners pay more than the average rate. Did you know that you were in a flood plain when you purchased your home? Or was it a surprise to you when your rates went up?

I am not aware of where you live..are you close to the gulf area? If so, a few years back, the University of Houston published a study stating that the gulf coast area ( Clear Lake, Texas City, Webster, Seabrook, etc.,etc.) could experience a 24 foot storm surge during a CAT 5 hurricane. A CAT 5 storm typically makes landfall as a CAT 3 or 4, although the ocean trench off the Texas gulf coast can affect the storms...i.e,whether the storm cell weakens or strengthens, especially during a powerful monsoon trough across Africa...which is what we are experiencing this current year.

We all know that the barrier islands of Galveston and Boliviar would be toast with a direct hit from such a storm..we all remember Boliviar after IKE...but that's not what we are discussing here...

Even if you have never flooded in the gulf coast regions around the Greater Houston area...the odds are actually not in your favor, statistically speaking...so flood insurance is a must, not a choice.

[Celiene61]

Originally Posted by Lowexpectations

Point four has nothing to do with flood insurance

But it has to do with building a home while living in a hurricane corridor. The flooding came from a Hurricane, and the tropical storm which stalled over the city.

Wind is a problem with hurricanes, you do realize that, right? Can you say "Wind driven rains"...,, because your insurance company sure can, and will use that against you in paying your claim. Typically in the gulf coast areas of Greater Houston, you are paying higher rates due to the need for said coverage

Homes built under certain CAT standard building codes will fare better in a hurricane corridor. The standards would be based on the particular area in which the house is built in Houston.

California has different building codes and standards for homes built in the earthquake rift zones. Their infrastructure and municipalities are built according to such plans as well.

The real problem was lack of foresight and planning when developing a city near a hurricane corridor. Later it became a careless lack of concern regarding any further attempts at minimal zoning laws and deed restrictions.

It's the Wild West for the community developers...and the citizens get to pick up the tab for it. Building Codes
$uck here.

It is what it is...

[testmo]

Originally Posted by Celiene61

I am aware that many homeowners pay more than the average rate. Did you know that you were in a flood plain when you purchased your home? Or was it a surprise to you when your rates went up?

I am not aware of where you live..are you close to the gulf area? If so, a few years back, the University of Houston published a study stating that the gulf coast area ( Clear Lake, Texas City, Webster, Seabrook, etc.,etc.) could experience a 24 foot storm surge during a CAT 5 hurricane. A CAT 5 storm typically makes landfall as a CAT 3 or 4, although the ocean trench off the Texas gulf coast can affect the storms...i.e,whether the storm cell weakens or strengthens, especially during a powerful monsoon trough across Africa...which is what we are experiencing this current year.

We all know that the barrier islands of Galveston and Boliviar would be toast with a direct hit from such a storm..we all remember Boliviar after IKE...but that's not what we are discussing here...

Even if you have never flooded in the gulf coast regions around the Greater Houston area...the odds are actually not in your favor, statistically speaking...so flood insurance is a must, not a choice.

I live 46 miles from galveston and inside houston limits. Yes i knew of the flood plain as insurance is required to get the mortgage

I dont live remotely close to a resevoir

[txstate]

How about raising houses 5 feet

[Lowexpectations]

Originally Posted by Celiene61

But it has to do with building a home while living in a hurricane corridor. The flooding came from a Hurricane, and the tropical storm which stalled over the city.

Wind is a problem with hurricanes, you do realize that, right? Can you say "Wind driven rains"...,, because your insurance company sure can, and will use that against you in paying your claim. Typically in the gulf coast areas of Greater Houston, you are paying higher rates due to the need for said coverage

Homes built under certain CAT standard building codes will fare better in a hurricane corridor. The standards would be based on the particular area in which the house is built in Houston.

California has different building codes and standards for homes built in the earthquake rift zones. Their infrastructure and municipalities are built according to such plans as well.

The real problem was lack of foresight and planning when developing a city near a hurricane corridor. Later it became a careless lack of concern regarding any further attempts at minimal zoning laws and deed restrictions.

It's the Wild West for the community developers...and the citizens get to pick up the tab for it. Building Codes
$uck here.

It is what it is...

All the while point number 4 was irrelevant for your case building as to why people should buy flood insurance and so is your long winded reply now