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

riven1950 wrote:
Lots of speculation here folks. I've been paying Federal Flood insurance premiums on various houses for over 30 years. Current home premium started at about 175.00 years ago, now about 1400.00 with a 5000.00 deductible. Premium on the coast is based on how high your finished floor is above the 100 yr flood level. I think it is the same for rivers that flood.

Someone said Obama reduced premiums and did refunds. Not here folks. Premiums have steadily gone up over the years, no refund ever. Also, I've never received a dime even though flooded 3 times, last being last September. The floods didn't reach the first floor living area. After doing repairs last year at my expense I figured I could claim it on my taxes as a casualty loss at least. Well, surprise surprise, causualty losses are allowed only if they exceed a % of income, so no help there either.

Also:

I don't think you can get Rv flood insurance through the Federal program. Only S&B structures.

I do believe you can purchase Federal Flood if you are not in a flood plain. It would not cost you more ( as someone stated ).

Here on NC coast my HO insurance does not even cover wind damage anymore. I have a seperate wind and hail policy, a HO policy, and a flood insurance policy.

BTW last fall when the hurricane hit us we went camping about 150 mile to the west but our population is no where near what Texas was dealing with, plus as someone said, they are having a 500year flood.

I have been through several hurricanes and evacuated 7 or 8 times. I still can't begin to imagine the problems these folks are facing. Please don't blame these folks for living in a coastal area. All parts of the country seem to have some sort of weather related hazards. I do hope they require the rebuilt structures to be built above the flood plain. s

I'm sure it's a wonderful area, since I've visited it in the past, and no offense, but you seem to be a slow learner: pay flood insurance and keep paying it even though they won't pay for what you're insuring. Evacuating 7 or 8 times, maybe you should take the hint and move somewhere a bit more sensible.