soil in st george

[GoOutsideAndPlay]

FYI - The cost is determined by the federal government and for a low risk preferred policy, you're looking at $129-$460 per year for building/contents coverage depending on the coverage limit you choose ($20K/$8K to the max of $250K/$100K). https://www.floodsmart.gov/floodsmar...licy_rates.jsp

Personally, I think it's a wise investment for anyone who lives within a 1/2 mile of a stream, creek, river or drainage area. Also for low lying areas or where past flooding has occured outside a described flood plain. For homes outside of these areas, a backup of sewer/drain endorsement is probably all that's needed (think sewer is overwhelmed and it backs up into homes through plumbing - ick). But, for peace of mind, a flood policy may be worthwhile. Again, a good real estate agent and insurance agent can really pay off to help with these kinds of decisions.

Sadly enough, there's a large percentage of the population who believe the government will simply bail them out. In southern California, less than 10% of homeonwers have earthquake insurance. If the big one hits (and it eventually will), they're just expecting the government to come in and fix it. But, government assistance programs are typically in the form of low interest loans. Yea, double mortgage... I think you're wise to be considering and then mitigating your risk through the prudent use of insurance and choice of location. Statistically speaking, Washington county is a very low hazard place to live (major perils are earthquake and flash flood - and as you go further north you get into wildfire country).