Okay, so standard home owners insurance doesn't cover flooding.

My house is not in a listed flood zone and I'm sure my policy does not cover it.

But I believe there is some chance that if a levee failed, my house could flood.

But I presume if I was listed as being in the 100 year flood zone and if I still had a mortgage (I don't) my mortgage would require it?

Or am I wrong on that?

Banks routinely accept losses on flooding when home owners declare bankruptcy and walk away?

KCChiefsFan88 your power out? Seems Miami was not really affected.

You posted the above last week bashing CA power grid during our heat wave/potential loss of power then the following week lots of folks in FL losing their power.

Hope the wonderful people of FL get their power back on right away and recover from this hurricane quickly.

Daughter and husband living in Cape Coral hunkered down and rode it out at home. Early she lost internet but could still text. She kept asking me for radar updates. Pretty helpless feeling when you have to text back you've got about 3 more hours of 100mph winds. She finally went radio silent at 6pm and I had to wait until this morning to find out they made it ok with minimal damage.

It takes a near category 5 hurricane with 150+ mph winds to disrupt the power grid in Florida… meanwhile in California if the temperatures are slightly above normal (with otherwise perfect weather conditions), a panic ensues with forced energy conservation measures and the threat of blackouts.

Otherwise it is exactly the same situation. ROFL

If you are in a flood zone, as determined by FIMA, and are below 10 feet from the water line, no bank will loan you money for a mortgage. You can be in a flood zone and be above 10 feet and you are okay from being forced by a mortgage company to get flood insurance. But, going without it would be pretty insanely stupid.

If you have the money to live near the water and don’t get the flood insurance, you risk having your 400K-700K house go bye bye. If you have a mortgage your still responsible to pay and now you have to pay to live somewhere else too.

<blockquote class="twitter-tweet"><p lang="en" dir="ltr">Fort Myers Beach Times Square LEVELED following <a href="https://twitter.com/hashtag/HurricaneIan?src=hash&amp;ref_src=twsrc%5Etfw">#HurricaneIan</a> <a href="https://twitter.com/hashtag/Ian?src=hash&amp;ref_src=twsrc%5Etfw">#Ian</a> <a href="https://twitter.com/hashtag/HurricanIan?src=hash&amp;ref_src=twsrc%5Etfw">#HurricanIan</a> <a href="https://t.co/V3gHTs5Mx8">pic.twitter.com/V3gHTs5Mx8</a></p>&mdash; Smurph (@swmurfl) <a href="https://twitter.com/swmurfl/status/1575498520370376704?ref_src=twsrc%5Etfw">September 29, 2022</a></blockquote> <script async src="https://platform.twitter.com/widgets.js" charset="utf-8"></script>

The dick measuring contest of two states in the top 10 annually for power outages... one mostly due to catastrophic storms and one largely due to massive wild fires. :popcorn:

You were bashing the people of California and the electric grid during record setting extreme weather (see quote below). It wasn't "slightly above normal" temps at all. People actually died during that heat wave. Now FL is getting some extreme weather a week later.

There were over 1000 heat records broken, and the longest/hottest heat wave on record in CA. Some people are just blinded by politics.

When we bought our house, everything was OK. But I refi'd for a lower rate and lo and behold, the flood zone maps had been redrawn and now a corner of my house showed it was in a 100 year flood zone. I argued with the bank that there was no way, they came out and looked and agreed, but the Feds had redrawn the map and the difference was literally the width of a ballpoint pen on satellite photo at 100' scale. There's a 25' drop down to my lower pasture and I might agree that the pasture could be in a flood zone,, but not the house. Well you can get everybody and there brother to look at it and agree with you, but the Feds are only going to buy into a survey. So I paid the $2700 for a new survey and got the LOMA. Otherwise it would have been over $50 a month for the next 17 years and that was for $5K worth of coverage.

To show how crazy flood zones are drawn, I could stand next to the corner of my house and see the tops of the roofs of 3 neighbors' houses that border the same creek I do. None of them were in the flood zone.

That is just "slightly above normal temp" to some people out in FL. Which is just silly to say.

It's like me saying Hurricane wind is slightly above tropical storm wind.

15' storm surge...

<blockquote class="twitter-tweet"><p lang="en" dir="ltr">Ft Myers Beach is effectively gone, almost no emergency crews yet. These poor people need so much help… <a href="https://t.co/5uLo26zFMZ">pic.twitter.com/5uLo26zFMZ</a></p>&mdash; Max Olson (@MesoMax919) <a href="https://twitter.com/MesoMax919/status/1575511789386833923?ref_src=twsrc%5Etfw">September 29, 2022</a></blockquote> <script async src="https://platform.twitter.com/widgets.js" charset="utf-8"></script>