Thank you for the information. My parent's home flooded too. They didn't have
flood insurance because they have no sump. My mom called to get insurance and
they told her that her basement had to be dry for (3) years before they would
cover her...

I will check into the government program.

wrote:
We are not in a flood zone - so most didn't even
have flood insurance.

This is a common misperception. For practical purposes, if you are
within the United States, you are within a flood zone. You may not be
in a high-risk flood zone, or Special Flood Hazard Area, such as a known
hunderd-year flood plain, but that does not mean you are not in a flood
zone.

More likely, you're in a relatively safe flood zone, where flood
insurance is very inexpensive. A significant share of flood damage
every year is outside the high-risk flood zones -- from the description
of your neighborhood's basements, it sounds like a place flood insurance
would be a good idea.

The bad news is you can't buy it retroactively for this flood. The good
news is you can buy it after this flood is over and have it the next
time the waters rise.


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