Why were all the RV's left in the flood?

riven1950 wrote:
toedtoes, totally agreed. Flood insurance is required on Fed backed loans. Problem is the lenders sell the loans and then new lenders don't carry through, and of course Uncle Sam has no follow up, which is why there are only 20% or so covered. Probably will be a law suit against some lender because they didn't require it, which will be a bit ironic because it's the homeowners responsibility.

I know when I bought my house, I received the notice from the Feds for the insurance requirement. Had no connection with the actual loan or lender.

I expect there are folks in my area who just ignored the notification from the Feds. My lender never asked for proof of flood insurance - even when the lender changed. They only asked for proof of the standard homeowner's insurance. But I paid 20% down, so the insurance was not built into my loan.

About 8 years later, I received a notice from the Feds that I was no longer required to have flood insurance because of the levy improvements. They offered it to me at a higher rate than when it was required - I chose to cancel it at that time. My house is the safest in the neighborhood because it is not built on a concrete slab. I have about 1-1/2 ft of crawl space between my first floor and the ground. So water has a place to go before it gets inside.

I remember the big storms when I was a kid. The houses on either side of my parents' home flooded as the water came down the hill. My dad had put in cement walkways around the house that were slightly lower than the house and bordered them with brick. When the water ran down the hill it went through each house. Except ours. Instead, it ran through the walkways right past us.

I try to remember things like that when doing yard improvements. A simple thing that saved a lot of money.