DO: Go to Floodsmart.gov to check your flood risk and the cost of an NFIP flood insurance policy. If you are purchasing a new home, make sure that you factor the cost of flood insurance into your housing budget. If you can’t afford the insurance, you can’t afford the home. If you already own a home in a high-risk flood zone then you should get flood insurance. And, remember, even if you live in a low-risk zone it does not mean floods can’t happen. source: http://www.iii.org
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