"Toller" wrote in message
...
Flood insurance is really cheap, however it basically only covers
structural damage. Your belongings. the basement carpeting, etc. are your
problem.
So if you won't be having a flood vicious enough to cause structural
damage, it is not useful.


From www.floodsmart.gov:
"As a homeowner, you can insure your home up to $250,000 and its contents up
to

$100,000. If you're a renter, you can cover your belongings up to $100,000.
As a

non-residential property owner, you can insure your building and its
contents up to $500,000. "



Your basement carpeting, unless you have a walk-out basement, will be

your responsibility, however.