We are often asked if flood insurance is necessary in “one hundred year” flood zones. These are low likelihood of flood zones – B,C,X. Make no mistake, this does not mean that there is chance of flooding once in one hundred years for any home in these zones. It’s important to understand what makes a property vulnerable to inundation. FEMA maps do not take into account the risks of intense rainfall, or microbursts. New data from the non-profit First Street Foundation indicates that there are actually 14.6 million homes at risk instead of the 8.6 million identified by FEMA. Best of all this data is free and easy to access at https://floodfactor.com/. Read more from the New York Times here.
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