Our hearts and prayers continue to go out to all affected by recent devastating floods in Middle Tennessee and other areas. If you haven’t reviewed the location of your home in relation to the 100- and 500-year flood plains, it would be wise to do so, so you can either sleep better at night, or plan accordingly.
The maps are available on the FEMA website. Just go to www.msc.fema.gov and, on the left-hand side, type in your home address, and click ”search”. On the next page, click on the magnifying-glass icon in the “View” column. This should take you to the actual flood map that shows your area in relation to where flooding is more likely to occur. Much of the time, you’ll be able to zoom in to your actual home’s location (just like on a real estate map), enabling you to pinpoint exactly how far away, or how close you are, to potential flooding. If you’re in a rural area, your actual home location may not be delineated on the map, but at least you’ll be able to get an idea as to your level of risk. You should also pan over to the key on the right of the map for explanation about flood plains.
Have any trouble finding your location? Please feel free to call me, and I’ll be glad to help.
If you need flood insurance, you may be surprised to learn that NEW government-sponsored flood insurance policies for private homeowners have not been available since June 1, 2010. The Federal Flood program had been suspended, in regard to issuing new flood policies, because continuing funding had not been approved by Congress. Existing flood policies were, and are, valid, of course.
Just last night, however, the U.S. House and Senate approved funding a temporary 3-month extension of the program through September 30, 2010. As soon as President Obama signs off on it and instructs FEMA to move ahead, new policies can be issued.
Our lawmakers still need to act to fund the program past September 30th, however. I’ll keep you informed as this issue evolves in the months ahead. In the meantime, give me a call if you have any questions about flood insurance.