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On Second Thought, Maybe You Do Need Flood Insurance
 
Hurricane Irene gave the media a big story to cover for about a week.  Soon the coverage of the devastation will give way to the next “Breaking News” alert and those people not directly affected by the storm will forget it. 
Not so for those that suffered damage to their homes.  Irene came ashore as a category 1 storm packing winds of 100 MPH or less so wind related damage could have been much worse.  In fact, the real damage delivered by Irene came from the storm surge and flooded areas located outside of designated FEMA hazard flood zones.  Homes in these areas are not required to have flood insurance so most property owners did not have coverage believing that their hurricane policy would protect them.  Not true.  The only insurance that provides coverage for flood damage is flood insurance.
 
Most communities prone to hurricanes will have maps showing Storm Surge Zones and Evacuation Routes for each storm category.  Even though FEMA flood maps may not require you to carry flood insurance it may still be wise to get it if you live in a storm surge zone.
 
Here is a link to the Storm Surge Zones ... more

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