Quote:
Originally Posted by OMG!WTF!
I think the main question is insurance. You can get over land flood insurance now but it's about an extra five k a year. And I don't think it covers full replacement. And I also think you need to do a bunch of flood proofing measures, sealed newer basement windows, sump pump etc.
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If you live in an area that is considered high risk, you likely won't be offered any overland water coverage as well you may have a low limit on sewer backup, say no more than $30k which is no where near enough if you have a developed basement.