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Old 11-06-2007, 12:09 PM
 
9 posts, read 38,983 times
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Does anyone know if flood insurance is REQUIRED for San Antonio?
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Old 11-06-2007, 12:24 PM
 
25 posts, read 74,440 times
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It is not required, however, if you recently purchased a home or have a mortgage company, they would tell you if flood insurance is needed. Depending on the area you live in and if there was flooding in the past, it would probably be a good idea. Homeowners Insurance does not cover damage caused by flooding to your home or contents.
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Old 11-06-2007, 03:39 PM
 
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It's required if your home sits in a flood plain.
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Old 11-06-2007, 04:36 PM
 
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We didn't have to purchase it, but our neighbor literally across the street and 3 doors down had to. They bought last year within a couple of weeks of us.
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Old 11-06-2007, 04:45 PM
 
Location: San Antonio, TX
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Just a thought...flood insurance wasn't required for my home in New Orleans. Got it anyway the summer before 'IT' happened. Whew!
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Old 11-14-2007, 10:55 PM
 
Location: North SA
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Insurance companies will not sell you flood insurance unless you live in a designated flood area. I tried when I bought my home and was told no by several agents.
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Old 11-14-2007, 11:33 PM
 
Location: San Antonio, TX (78201)
604 posts, read 1,758,454 times
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It's a damn good idea- South Central Texas is "Flash Flood Alley" if you will. In other words, it's the most flash flood prominant area in the country.

During the floods of '98, almost the entire freeway/ roadway system was shut down, and neighborhoods were being evacuated. 281 inside the loop was under a lake, many bridges of 410 and 10 were underwater. The normally dried up creek behind my neighborhood was overflowing into the streets. (i remember me and some friends finding old tires and actually going "rafting" back there. I was 12, mind you, so yeah I did dumb things but it was fun).


point is, yes I think it would be a good idea to get insurance. Unless you're on a really high hill.
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Old 11-15-2007, 08:37 AM
 
Location: San Antonio, TX
71 posts, read 265,485 times
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Quote:
Originally Posted by dosriveras View Post
Insurance companies will not sell you flood insurance unless you live in a designated flood area. I tried when I bought my home and was told no by several agents.
This is not completely accurate. I do not live in a designated flood area, but based on past experience , got flood coverage anyway. It is very cheap, relatively speaking, in the non-flood zones and well worth it, I think. I would be happy to pass along my company and agents name if anyone would like it.
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Old 11-15-2007, 09:20 AM
 
Location: San Antonio
1,893 posts, read 5,187,328 times
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Quote:
Originally Posted by dosriveras View Post
Insurance companies will not sell you flood insurance unless you live in a designated flood area. I tried when I bought my home and was told no by several agents.
When an insurance company refuses to take my money I tend to get a little nervous.
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Old 11-15-2007, 09:40 AM
 
Location: North Texas
384 posts, read 904,295 times
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If you have a mortgage on the house and it is within a flood plain, the mortgage company will usually require flood insurance.
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