Why You Need Flood Insurance

You don't have to live in a flood plain to need flood insurance.

Two days after my husband and I moved into our 1898 Victorian in Minneapolis, it was flooded. Kids were surfing down Emerson Avenue. It was a freak rainstorm. Water poured down the chimney and broke through our basement windows.

I couldn't believe the odds. Because 15 years earlier I had survived a different flood disaster. My home on the Rincon in Ventura, CA, fell into the ocean. I didn't expect it then, either, but I should have because at least I lived on the ocean where these things happen. One doesn't expect to get flooded in downtown Minneapolis.

It's strange what you think about saving in an emergency. In 1981, when the ocean waves rose to pound my house in Ventura, I grabbed my IBM typewriter, along with my guitar and photo albums. Today, I would stuff the cats in a pillow case, grab my hard drive and split . . . read more about flood insurance.

More Articles by Elizabeth Weintraub:

• Wet Basements
  
• Title Insurance Policies
  
• What Does a Home Warranty Cover?

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_{At the time of writing, Elizabeth Weintraub, DRE # 00697006, is a Broker-Associate at Lyon Real Estate in Sacramento, California.}