Voluntary Home Buyout Program - Harris County Flood Control District (Houston: health insurance, to buy)

[Lowexpectations]

Originally Posted by Dopo

Now is my fault for not getting flood insurance,
Even though I made sure to buy a house that it's almost impossible to get flooded

Why don't you blame the government's socialist FEMA?
That takes our money and gives it to people that flooded and don't have insurance.

It's only your fault if you fail to get insurance, get flooded and then complain you don't have the money to repair your house just the same if you don't have car insurance and total your car and can't get another

[SpringBrancher]

Originally Posted by Dopo

Now is my fault for not getting flood insurance,
Even though I made sure to buy a house that it's almost impossible to get flooded

Why don't you blame the government's socialist FEMA?
That takes our money and gives it to people that flooded and don't have insurance.

Dopo, did you flood? If so, I'm sorry. Please use the opportunity to tell others to buy flood insurance.

[WRM20]

Originally Posted by Dopo

Now is my fault for not getting flood insurance,
Even though I made sure to buy a house that it's almost impossible to get flooded

Why don't you blame the government's socialist FEMA?
That takes our money and gives it to people that flooded and don't have insurance.

The money FEMA gives those without flood insurance is more of a public health thing than free money for nothing. It also keeps people out of shelters, and reduces the ultimate public burden. From your post, it sounds like you hate the concept of anyone getting some sort of government assistance when they have a need.

[Dopo]

Originally Posted by SpringBrancher

Dopo, did you flood? If so, I'm sorry. Please use the opportunity to tell others to buy flood insurance.

No I didn't, that was my point,
When I bought my house two years ago the first thing I did was look up the flood plain maps and cross out all neighborhoods in or close the flood plains

But now Celienne says that flood insurance is expensive because people like me that don't need flood insurance, don't buy it.
I don't have any nice parks, trails, creeks close to my house .... but I don't have to worry about floods

[Ghost Town]

Hmm...so the new trend is to blame people who didn't buy flood insurance and were not flooded?

[Dopo]

Originally Posted by Celiene61

That's the average in Houston, per the nabe who is an insurance broker
I pay more than that...but am just stating the average

BS, $450 is not the average
$450 is the minimum because that's what I was told by people in my community that it would be for us.

[WRM20]

Originally Posted by Dopo

No I didn't, that was my point,
When I bought my house two years ago the first thing I did was look up the flood plain maps and cross out all neighborhoods in or close the flood plains

But now Celienne says that flood insurance is expensive because people like me that don't need flood insurance, don't buy it.
I don't have any nice parks, trails, creeks close to my house .... but I don't have to worry about floods

You should still pay the $450 for flood insurance, since a heavy rain in your area can cause sheet flooding as the water moves towards the drainage channels. Much of the flooding during Allison was from sheet flooding in places that are never going to flood from rising water. We live on a hill near White Oak Bayou. We will never flood from rising water, since we are higher than the other side of the bayou, but we can still flood from sheet flooding.

[Dopo]

Originally Posted by WRM20

You should still pay the $450 for flood insurance, since a heavy rain in your area can cause sheet flooding as the water moves towards the drainage channels. Much of the flooding during Allison was from sheet flooding in places that are never going to flood from rising water. We live on a hill near White Oak Bayou. We will never flood from rising water, since we are higher than the other side of the bayou, but we can still flood from sheet flooding.

If my cul-d-sac floods over the sidewalk (still 1 foot to get my house) it will start flowing down the street to a huge drain about 10 ft wide that dumps into a huge retention pond.
My house is on the high side of that huge retention pond.
My neighborhood is almost exactly between two watersheds, water flows in opposite directions from our neighborhood

I'm not going to spend $450 on something I know I don't need

[SpringBrancher]

Dopo, do you live near any bayou or reservoir? I know you mentioned a retention pond, but those get flooded sometimes. It just seems like you live in a regular neighborhood and have a false sense of security. Most of those people in the energy corridor had a big false sense of security. Their a lots of drains and retention ponds in Houston - not sure why you are immune to flooding. Basically 5,000 dollars over ten years will give you protection against devastating economic harm. It's a great deal.

[Dopo]

When you look at the flood plains map and select "watersheds" I live almost exactly on the dividing line of two watersheds.
It's exactly like Tomball's downtown.
Harris County Flood Education Mapping Tool

Aside from that, I checked all around my neighborhood and know that I'm safe.
A lot of my neighbors would flood way before it gets to me.