I'm within a low to moderate flood zone, should I obtain flood insurance?
just wondering.
the map of my house articulate I'm not in the flood zone.
Your insurance company or agent can give you a quote. Flood insurance for those not within a 100 year flood plain is actually rather inexpensive (it's called a "preferred risk policy") and you can chose your coverage stratum. i would just contained by case it happen to flood
Well, that means coverage will be cheap for you.
If it won't break the guard, and will let you sleep easier at darkness, sure. But have a big sit down beside your agent, to let them explain exactly what is and is not covered, beneath a flood insurance policy.
Answers: I would suggest you find it - remember floods do not know where the manmade lines on a map are! Also, it would cover "wacky made" floods - say your neighbors above ground pool burst & adjectives the water head right to your house & flooded you out. Your agent can explain the definition of a flood that would trigger coverage.
Also, the last statistic I hear is about 1/3 of adjectives floods happen within low to moderate flood zones (B, C or X). Our in one piece area (2 states) merely got remapped contained by the last couple of years due to floods surrounded by places that were not special risk areas.
Talk to your homeowners insurance agent. You can get a "preferred risk" policy that includes contents coverage for pretty cheap (last time I quoted someone within my area it be $352 for $250,000 dwelling & $100,000 contents with $500 deductibles - equal coverage in a special menace zone would probably be over $2,000 per year if you didn't purchase contents).