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Old 02-21-2010, 04:59 AM
 
407 posts, read 1,264,168 times
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Here in Annapolis in an upper level condo, I just laugh and toss the State Farm requests to include flood insurance on my condo in the trash. If the Chesapeake Bay water reaches this high, that would be Katrina on steroids and I would be a little to drowned to collect it. But, when we retire and settle in Bardstown as planned or around that area, does anyone here think we may need to include flood insurance on our home? It is expensive to include and I don't want to if it is not needed. I would appreciate opinions on this.
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Old 02-21-2010, 05:53 AM
 
Location: Prospect, KY
5,284 posts, read 20,052,779 times
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no.
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Old 02-21-2010, 02:48 PM
 
Location: New Albany, Indiana (Greater Louisville)
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Most of Kentucky is hilly so it will be obvious whether you will need flood insurance or not based on where you property sits on the land.
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Old 02-23-2010, 08:40 AM
 
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Only if you live right near the Ohio River. KY is a very hilly state. If it floods then it's the end of the world anyway so you wouldn't need to worry about insurance.
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Old 02-24-2010, 01:00 AM
 
Location: Lexington
28 posts, read 77,582 times
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There are a lot of areas in Kentucky that fall into flood zones. Your best bet for knowing is the FEMA Mapping Service FEMA Map Service Center -. You can look up anywhere in the US and find the floodzones for a given area. There is also this site FEMA Floodsmart
which in addition to allowing you to look up a specific address it also identifies the flood insurance agents for that area.
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Old 02-24-2010, 06:58 AM
 
407 posts, read 1,264,168 times
Reputation: 221
Thanks everyone for the info. Shawn , I will indeed check the FEMA Map.
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