Better watch out and bring out your umbrella with you if you're in Alabama. This may get rough soon!

Alabama is expected to receive rain starting Thursday, February 3rd, and until Friday, February 4th. This is pretty normal if you'd think about it however there are some flooding concerns that may be seen during this time.

In today's blog, we want to talk about this weather event in Alabama and the flood concerns arising from it.

Heavy Rain Brings Higher Waters

Alabama is up in arms as weather forecasts expect heavy rainfall to drop on the state. This heavy rainfall is expected to be averaging 2 to 4 inches of rain and will persist from Thursday to Friday as reported by the National Weather Service (NWS). Flood watches are being sent out already since we are already expecting 3 to 6 inches of heavy rain getting dumped on Alabama just for the night of February 3rd. This means that flash flooding has an up to 10% chance of happening across the state.

This event is also expected to have some major storms as seen by the National Oceanic and Atmospheric Administration (NOAA) which places the south and south-central parts of the state at a marginal risk for severe weather this Thursday.

Photo courtesy of NOAA

This puts cities Mobile, Montgomery, Greenville, and Tuscaloosa at a high chance of facing an isolated major storm in the next two days. These types of storms usually create the biggest concerns are damaging wind gusts, which could take down trees and knock out power, and tornadoes.

After Friday (February 4th), the rain will begin to move out however it doesn't really mean that everything ends there since there are chances of additional rain happening during the weekends because the cold air will be rushing behind.

Flood Concerns

One of the biggest concerns that we should be aware of is that this type of weather event will surely create big flood threats and increase the overall flood risk for the whole state in the next two days.

This ranges from what we call a pluvial flood, where collected water has nowhere else to go so it starts to pile up and inundate the area. This isn't really impossible considering that we still haven't moved out of the winter season. During this time, we expect the ground to be oversaturated which generally means that it won't be able to take in as much water as it should.

Another reason why flooding may occur from a life-threatening storm surge as water levels rise due to the precipitation. This is most likely to happen in coastal Alabama like Mobile City. Generally, this means that we might see a cocktail of floods as all three types may occur during this weather event: pluvial, fluvial, and coastal flooding.

Fluvial flooding is only different from pluvial because the source of the floods comes from a water source like a river, lake, pond, creek, and such. Generally, this type of flood has a very strong flow to it and most of the time can easily damage properties along its path.

Other than these flood concerns, when that rain starts to happen, it's most likely that roads and bridges are going to be slippier than ever. This is why we always remind people to not drive into standing water or flood, or even during a rain event like this if it's not really necessary. We don't want to be dark and grim, but most of the casualties and injuries that happen in times like this are located and involve roads.

Why Flood Insurance is Important

When it comes to floods, most people would say that they wouldn't want to leave their properties unattended because something might happen to them. This same thinking causes a lot of trouble for these property owners when water starts to inundate the property.

Flood insurance can really help you cover for this flood damage and flood loss that may occur during a time like this. More importantly, you get peace of mind that you will still have a home to go back to even after a flood.

You have two options when it comes to flood insurance in Alabama: the federal-backed National Flood Insurance Program (NFIP) and its new Risk Rating 2.0, and Private Flood Insurance. Let's talk about these two.

NFIP

The federal flood insurance is gearing towards a fingerprint of flood risk for properties that get a policy from them since rates will be based on the individual flood risk. Although this makes it more affordable for flood insurance coming from FEMA, this may still bring an increase to rates for some property owners.

This type of change makes them a big contender to take the spot when you ask people where best to get flood insurance however it's integral to point out that other than how you're going to be rated, some things never change with the National Flood Insurance Program (NFIP) flood insurance.

When it comes to coverage, we're still talking about the same $250,000 maximum on dwelling or building coverage and $100,000 maximum when it comes to contents. 

Other than these, these are all that the federal government can offer when it comes to flood insurance even with the Risk Rating 2.0 update. Here's a quick breakdown of the NFIP 2.0 card compared to the current version we have at the time of writing:

Private Flood

Private flood insurance has made a big push in the last 15 years. There have been a lot of changes in the last 5 years that allow private flood insurance to be a great flood insurance option for many property owners. Let's look at exactly what private flood insurance is.

For many years the only option for many property owners was the National Flood Insurance Program (NFIP). There were many limitations with this program like wait periods, coverage amounts, and cost of the policy.

It's important to understand not all private flood insurance options are the same. There are admitted and non-admitted carriers in the private market. Each one of these types of policies has different requirements they follow.

The private flood insurance market still offers flood coverage that doesn't really have any maximum amount. You can definitely still get more than $250,000. Even when it comes to personal items or contents coverage, you can definitely go more than $100,000 for flood damage. That coverage also comes with the loss of use, additional living expenses, and/or replacement costs.

We've also seen a lot of homeowners coming to us for flood insurance and were able to get it in just a few days. The maximum waiting period for a flood policy from a private insurance company is only 14 days.

What This Means for the Future

Considering that both Risk Rating 2.0 and private flood insurance companies base flood insurance rates on flood risks, this type of weather event can really add up to the things that increase your risk of flooding. This can also be a hard-hitter when it comes to flood mitigation since more risks require more efforts to lessen the flood damage on your property.

If Alabama were to get dumped by heavy rainfall more frequently, this could mean that flood insurance rates will also skyrocket in most areas especially when such rain event causes huge flooding in the area.

We're starting the Month of Arts and Hearts with such a concerning scenario, so we hope that you stay safe during this time. If you really don't need to head out, please stay at home and follow your local government's guidelines on what to do when flooding starts to happen. The thing is flooding can happen anytime.

So if you've got questions on flood insurance in Alabama, what this rain event could mean for your flood risk score, or anything related to flood insurance, click below to access our Flood Learning Center.

If you want to speak to us about your flood concerns, click below to contact us:

Remember, we have an educational background on flood mitigation which lets us help you understand flood risks, flood insurance, and protecting your property long-term.

Welcome to the second part of our two-parter blog on real estate and flood insurance in Alabama. We've covered the things you need to know as a realtor when it comes to buying a house or a property for a potential buyer. You can read our blog about it by clicking here.

In today's blog, we want to talk about the other side of the coin and note some important things to keep in mind when selling a house.

Regardless of whether you're the homeowner or just a real estate agent, you should be aware of these things when it comes to flood insurance, flood zones, and what impacts they have on properties in Alabama.

List of Flood Claims

We've already mentioned in our previous blog that it's important to have a basic, if not in-depth, awareness of the history of flood insurance claims made on a property. This way, as a buyer, you get to find proper expectations when it comes to your flood insurance policy and its respective premium.

On the other hand, if you're the one selling the property, this goes the same. It's common courtesy for your potential buyers to be given an idea of where the current flood insurance stands especially when it comes to claims. This also gives a substantial idea of the flooding history as well. For some states, information like this is federally required to be disclosed to a buyer before closing a deal.

This can be done by requesting a list of the claims made through your insurance carrier. Retrieving claims history is a very easy process for both federal and private flood insurance. This list of claims can be requested or ordered from the National Flood Insurance Program (NFIP) and Federal Emergency Management Agency (FEMA).

On the other hand, private insurance companies will have to be contacted by you or your real estate agent to get this list firsthand. It's important to note that the flood claims history on a property may not be readily available when you order it from private flood insurance, so it's important to keep tabs on your claims history.

Policy Assumption

One of the key things to know when it comes to the seller-side is mostly on the policy itself. You see, you don't really have to cancel your policy once you have sold the house, it can remain and be passed on to the new owner. This option of transferring the currently active policy to the new owner (buyer) is called policy assumption.

A policy assumption or policy transfer can help you keep the current flood premium and lower-risk flood zone which in turn will also help you avoid those expensive premiums within that period. You also won't have to pay for the flood insurance premium that the policy also has – this can be discussed between you and the seller.

 

This way, you can make sure that you have proper protection for the new house you're buying without emptying your wallet or bank account. The policy contract will be transferred to you and you'll be the new policyholder in the eyes of FEMA once the reinsurance or renewal day kicks in.

Policy assumption or transfer in your flood insurance can really help you out if you're mapped into high-risk zones in FEMA's flood map or the flood insurance rate map (FIRM). Now, when it comes to properties or houses in that high-risk flood zones, you have to keep in mind that your mortgage lender will be very keen on requiring you to carry a policy for that property.

This mandatory flood insurance purchase can cause a hefty price since we're talking about a lot of flood insurance requirements to be secured before you can get a flood policy for the property.

So other than the higher risk of flooding, you also face a higher risk of emptying your wallet because your mortgage company really needs you to carry flood insurance for your property.

Impacts of Recent Flooding

One of the things you always have to consider when selling a house is recent natural disasters. The most common one is flooding and considering that we're already emphasizing the importance of flood claims which is a direct indication that the house has a chance of flooding.

Recent flooding, most especially, will be a key factor in selling your house and we believe the biggest concern is how much protection does your house has against flood damage and flood loss. It's important to always keep your flood mitigation measures in check in order to have a better chance of selling your home.

Equally, FEMA is also very heavy on flood frequency when it comes to flood insurance rates. The new Risk Rating 2.0, launched on April 1st and October 1st of last year, changed the rating structure for the federal flood insurance.

One of the flood risk variables being considered by FEMA and the NFIP when rating your property's flood insurance policy is both how often the insured building gets flooded and what type of flooding it experiences. This can take a very hard hit for your selling strategy as most buyers would shy away from flood-prone houses.

As a realtor, it's important that you are aware of this as well, if not an expert when it comes to it. A lot of potential buyers get frustrated when they get surprised about this requirement, so as a realtor it's best you let them know ahead of time.

When it comes to selling properties, you really want to help your buyer consider what the flood risk is and the chance of flooding. Some states like Texas actually require realtors and sellers to fully disclose the flood history and claims on a property, but regardless it wouldn't really hurt being transparent about these things. After all, we're talking about the safety of someone moving into a residential property.

If you've got any questions on a flood policy, the flood zone status of the property you're looking to buy, how the floodplain impacts flood zones, or anything related to floods, click below to go to our Flood Learning Center where we try to answer these questions.

You can also call us if you need a second opinion from a flood insurance agent when it comes to your purchase of a property by clicking below.

Remember, we have an educational background in flood mitigation which lets us help you understand your flood risks, flood insurance, real estate selling and buying, and mitigating your property's value long-term.

Business is booming as some would say to the real estate market in Alabama. Despite being in a pandemic, somehow real estate was able to keep up with the times. 2021 was one of these proofs as Alabama had an increase of 3.9% year-over-year (Y/Y) in real estate sales during the month of August.

It's no secret that some of these listings sit on a high-risk flood zone, so today, we want to talk about things every realtor needs to know when it comes to buying and selling a property that's in a flood zone.

This is part one of a two-parter blog and for this article, we want to focus on the buyer's side of real estate.

Loan Types & Flood Insurance Options

When it comes to closing a house, most buyers don't really have the luxury to pay it all in cash. This is why loans exist to help ease up the expenses in maintaining a roof above your head. If you're reading this blog, you're most likely to be familiar with mortgages and how it works.

What you might not know is that mortgages and loan types can actually impact your flood insurance too.

You see, depending on the type of loan you have for your property, you'll get different options when it comes to flood insurance. We have different types of loans and we actually covered this topic on our podcast blog, but to further understand the situation especially after the Risk Rating 2.0 update with federal flood insurance let's give an example.

If you have the Federal Housing Administration or FHA loan, you won't be able to get flood insurance through any private insurance carrier because your bank won't accept it. This only means that your only flood insurance source will be from the federal side which is through the Federal Emergency Management Agency (FEMA) and the National Flood Insurance Program (NFIP).

There was a time that if you have a loan that's under the government such as an FHA loan, Veteran Affairs (VA) loan, or United States Urban Development Administration (USDA) loan, the only option you have is through the NFIP when it comes to flood insurance.

This meant those people with conventional loans are the only ones who can get flood insurance through private companies before. This was changed way back and only homeowners with an FHA loan are required to get flood insurance through FEMA and the NFIP.

So this is important to keep in mind. Consider first what loan type you have in order to get a proper expectation on where you can get flood insurance from.

Flood Insurance Claims

Another thing you want to consider when buying a property is its history of flooding and flood claims history. This way you get to have an immediate idea of the flood risks or flood hazards that the house might face.

It's also important to note that when it comes to flood insurance, you might not get a policy from the private insurance companies once they detect that the previous owner or the property is prone to flooding.

It's important to keep in mind that flood claims aren't like medical insurance claims where it goes wherever you go. What we mean by this is that when you file a flood claim on the property, regardless of who the owner is, the claims will stay with the property basically for its entire life.

When it comes to the federal side, however, there won't be a refusal to provide flood insurance to properties like this however with the Risk Rating 2.0, having multiple claims on a property is sure to impact the overall costs of your flood insurance premiums with that house. This is what's called the claim variable.

For this one, it's crucial to always know the flood and claims history of the property. This way you protect yourself from unwanted non-renewals as per the carrier's discretion or expensive flood insurance rates.

Flood Insurance Premiums

One of the biggest questions asked by a potential buyer of a house concerns flood insurance rates. This opens the door for asking, "will my premiums skyrocket after I buy the property?"

The thing about flood insurance premiums is that the rate is generally guaranteed only for 12 months. This means that after that, you may see some changes like a minor increase or decrease. This is considering that you weren't flooded. On the other hand, if the property was recently subjected to flood damage and there was a claim filed for it, the flood insurance premium can increase substantially.

Verifying the Flood Zone

One of the most important things a buyer or realtor should know about a property when it comes to flood insurance is its flood zone. Despite being removed from the rating consideration in FEMA and the NFIP, the private flood insurance market still look at this factor when it comes to rates. This means that flood zones directly impact your rates and risk of flooding.

Additionally, regardless of it being removed from the rating system, flood zones still have absolute control on whether or not the property is required to have a flood insurance policy with that property. Keep in mind that if you fall in flood zone A or AE, also known as high-risk flood zones or special flood hazard areas (SFHA), you're going to be required to carry flood insurance.

 

There are many cases where an incorrect flood zone is put in a policy — maybe because there was a recent flood insurance rate map or flood map update that wasn't known by the seller or confusion between different flood zones.

As a realtor, it's important that you are aware of this as well, if not an expert when it comes to it. A lot of potential buyers get frustrated when they get surprised about this requirement, so as a realtor it's best you let them know ahead of time.

When it comes to selling properties, you really want to help your buyer consider what the flood risk is and the chance of flooding. Some states like Texas actually require realtors and sellers to fully disclose the flood history and claims on a property, but regardless it wouldn't really hurt being transparent about these things. After all, we're talking about the safety of someone moving into a residential property.

If you've got any questions on a flood policy, the flood zone status of the property you're looking to buy, how the floodplain impacts flood zones, or anything related to floods, click below to go to our Flood Learning Center where we try to answer these questions.

You can also call us if you need a second opinion from a flood insurance agent when it comes to your purchase of a property by clicking below.

Remember, we have an educational background in flood mitigation which lets us help you understand your flood risks, flood insurance, real estate selling and buying, and mitigating your property's value long-term.

Alabama is no stranger when it comes to flood. When it comes to the continuous development in the city due to its relative increase with the population as well as non-stop oversaturation of the ground due to consistent heavy rainfall, the city just couldn't get a break from floodwater.

Today, we want to talk about the four lessons we've learned from the Birmingham Alabama floods of October 2021 and how this can help flood recovery moving forward.

Flood Emergency

Rain is always the culprit when it comes to natural disasters like flooding. This is why understanding flood emergency is very crucial when it comes to preventing all unnecessary bad experiences when it comes to flooding.

A flood emergency is any disaster wherein water goes into areas that are usually dry and this doesn't just cover regular floods, but also flash flooding which is something that Alabama was warned about during the October flood. Ready defines floods as a temporary overflow of water onto land that is normally dry. Floods are the most common natural disaster in the United States.

However, sometimes these emergency warnings go on deaf ears as people still drive into pools of water and flooded roads. Unfortunately, this causes a lot of casualties. Reuters reported in one article that at least four people died during the October flooding disaster in Alabama; three of these deaths were found inside two washed-up cars.

Being ahead of these emergency warnings is enough to have awareness of the possible flood risk that the current weather or rainfall can cause the impacted area. On October 7th, 2021, al.com reported that there's an estimated 13-inch rainfall during that week.

We hope that everyone understands by now, not just in Alabama, but across the country how important and essential these warnings are. If you're not driving or maybe planning to stay at home, but it's expected to flood there, being aware of a flood emergency can help you evacuate.

Flooding Can Happen Anywhere

We were able to brush through this in the previous item, but it's important to always remember that flooding can happen anywhere.

We've seen a lot of homeowners get blindsided with the words "Not In a Flood Zone" which is one of the biggest misconceptions we see in flood insurance. The thing is no property is not in a flood zone especially in the United States. Even deserts get flooded after a long time of drought, so what more areas like Alabama experience a lot of rain during the year?

If you want to learn more on this "not in a flood zone" concept, we actually did a blog on it clearing the air. Click here to read this blog and know more about flood zones.

It's a new year and we hope that you too get to accept that you can get flooded at any given moment; be it through collected water from rainfall, runoff from higher areas, or simply being located near a water source.

The thing about flood zones as well is that it doesn't really indicate a wall or border because flood doesn't really start at one zone and stop at a lower-risk flood zone. 

Our team understands that flood loss is something one can ignore. In one blink of an eye, everything can be lost due to the inundation of water. This is why we want to discuss the most important lesson we want everyone to understand.

Flood Insurance

When it comes to time during a flood emergency, most homeowners and business owners don't want to leave their property's premises because they want to make sure they have fewer losses as much as possible. This can easily be avoided with flood insurance.

If you've been following us, you know by now that we really put great importance when it comes to flood insurance. Forget about sales and all that. It's always safety first and most of the time, this safety comes in form of the insurance that you won't even feel the flood losses despite its scale.

You see, flood insurance can really help you avoid doing all the stuff you want to do to lessen the damages and losses you'll incur during a flood emergency. A standard flood insurance policy has enough coverage for both building and contents that homeowners and business owners don't really need to worry about "saving as much as one can".

Federal Flood Insurance

On the federal side with the Federal Emergency Management Agency (FEMA) and the National Flood Insurance Program (NFIP), coverages on building maxes at $250,000 for residential buildings and can go up to $500,00 in commercial buildings. Both property types also get a max of $100,000 when it comes to contents coverage or every personal item inside the insured building.

This is outside of other coverages like the disaster assistance from a presidential approved declaration, the Increased Cost of Compliance (ICC) which is about $30,000 in coverages for flood mitigation, and when it the Community Rating System (CRS) Score which can create discounts of up to 45% on flood premiums with FEMA and the NFIP.

Private Flood Insurance

On the other hand, if this doesn't really cover your needs for flood insurance, Alabama also has a lot of private flood insurance carriers that we are also connected to. These private insurance companies can go beyond the building and contents coverage limits with FEMA and the NFIP. That means that a single flood insurance policy can cover you for more than $250,000 in building damages and more than $100,000 in contents.

These coverages from a flood policy can easily save you the trouble of worrying about what gets damaged and focus on keeping yourself safe from the debris and hurt from all that floodwater. But how are flood insurance and its claims different from home insurance claims?

You can read our blog comparing these two sides of flood insurance from our NFIP 2.0 vs Private Flood article.

Flood Claims vs Home Insurance Claims

When it comes to insurance claims, as a homeowner or business owner, you should be aware of when your standard homeowner's insurance applies and when flood insurance kicks in.

When it comes to flood insurance claims, you can't really get the coverage written on your policy if the surveyor detected that the damages to your home are due to water damage or a water backup. This means that flood claims won't pay out if your house was damaged from the inside and not due to getting inundated by surface water.

You can remember this through the "Number 2 Rule" wherein FEMA and most private companies will only consider water as a flood if at least 2 acres of usually dry land was covered by water or when at least 2 property gets inundated with water. Obviously, one of the properties or acres of land must be yours in order for your flood claim to payout.

You won't get your flood claim and insurance coverages in flood insurance if this rule doesn't apply to your situation. Another thing to keep in mind about flood insurance claims is that it usually covers and expects that the property owner also set up necessary flood mitigation efforts to prevent the same damage in the future. This is why the ICC exists for federal flood insurance as a means to avoid the same losses from future disasters like floods.

Equally, you can't use flood claims to cover damages due to fire, earthquakes, or any other natural disasters. It simply is strictly for flood disasters only; regardless of whether it is a minor flooding, flash flooding, or major flooding events in Alabama.

It's a bit difficult to write about this especially since there were a lot of people who got their homes damaged, lost their loved ones, and even just found themselves at a loss after all the water subsided.

The thing about lessons is we need to learn from them in order for them to be valuable and we hope that this refresher will also help you understand how we can avoid getting blindsided by an event like this again. So, if you have any questions on flood insurance, how to best protect your property from floods, or anything related, click the links below.

You can click here to access our Flood Learning Center where we try to answer most of your flood insurance questions:

Or click here to contact us and we can talk about your flood concerns for the Alabama flood of October 2021.

Remember, we have an educational background in flood mitigation which lets us help you understand your flood risks, flood insurance, and protecting your property long-term.

We're ending the 2021 season with a calm and somewhat peaceful closing. Or is it?

Today, we want to talk about a disturbing fact on our current climate and how La Niña causes more devastating natural disasters like inland flooding in Pelham and Hoover, Alabama.

Impacts of La Niña

Despite having only one named storm in the last quarter of this year, it doesn't mean everything will be calm. We're still seeing a lot of rainfall and persistent precipitations across the country. In most cases, these conditions are enough to cause enough flooding and damage to multiple areas.

Take note, this is without a tropical storm present and at the most extreme caused by monsoons. Why is this happening you might ask?

We can owe it to what's called the La Niña. La Niña is a "cold event" wherein trade winds are stronger than usual which pushes more warm water toward Asia. Being the exact opposite of El Niño which is commonly known as the "heat event" that leads to week-to-month long droughts in South America and California, La Niña is a mixed bag of weather conditions that are very unpredictable and usually exceed the expectations.

This generally causes some areas of the United States to be very dry while some get very wet. To give an example, 80% of Stanislaus County in California is experiencing very extreme to exceptional drought hence the "very dry" conditions.

Add this to the already dried-up ecosystem due to the wildfires, it's no question why the drought continues in the state. However, it's equally important to note that these types of events may just be scratching the surface when it comes to the dangers it presents to locals.

On the other hand, if we look at areas like Washington, a lot of atmospheric river impacts are being felt due to La Niña hence causing floods in the area up to the northwestern regions even in British Columbia. We've also seen how the shift from having warm surface water to a much colder one impacts the weather in areas like Northern California. The northern part of the state recently had to face devastating damages due to atmospheric rivers causing an extreme rain event in the area.

These are just a few of the examples we're seeing in the past few weeks however this doesn't mean that everything ends there. We can still expect more effects of the "small girl" as we end the year and go through the winter season.

What It Means for Alabama

As the winter season starts, we are expecting enough precipitation across the united states due to this cold event. This may range from your occasional rain to consistent heavy rains. We've seen this trend for the past two years now and we've covered it earlier this year. To give the gist of it, generally during the wintertime, Alabama gets too much water from the moist ground and rainfall amounts not being able to go anywhere but the homes of its residents.

Just this year, we've seen how impactful heavy rainfall can become in the state of Alabama. During the spring season, Birmingham and Central Alabama were hit with 7 inches of nonstop rain which immediately caused flooding in the area. The flooding however wasn't just due to rain alone, but also the melting snow and ice from other areas oversaturating the ground.

If we go back a few years back, in 2018 major Hurricane Alberto dumped 3.5 inches of rain which immediately escalated to 8 inches in Cloverdale. Three months after this event, during the fall season of September 2018, Brighton was the one that received the same amount of rainfall, and guess what, it caused flooding.

In December of 2019, we also saw Lauderdale get flooded after getting a significantly smaller amount of rain of 2.5 inches. This, unfortunately, took two lives in Alabama and Tennessee and flooded roads in the area. 

As we're gearing to face some thick inches of snowfall in the next two to three months in some states, we are also expecting an equally higher amount of precipitation for Alabama. It's important to remember that the main cause of the recent spring flooding in the state was the oversaturation of the soil.

Equally, we also want to consider the developments happening in Alabama due to the increase in population for Birmingham and Huntsville for example. This type of development can create a reason for water to go where it shouldn't be. Once the weather becomes colder and climate changes, there's also this immense pressure on residents when facing the inversely proportional lowering of temperatures and rising of flood threats.

As we've seen in previous years, Alabama gets unexpectedly huge flooding during this season even with the littlest amount of rainfall, and we can expect the same this year as well. Add this to the still-recovering soil from previous rain and flooding, it's no question whether or not flooding will happen.

Flooding is certain once all that precipitation starts coming.

How to Best Prepare

We always do our best to educate our customers when it comes to the impacts of weather, climate change, hurricanes, winds, and even the smallest rain on the behavior of floods. During this season, we want to help you prepare for possible cold waters inundating your home in Alabama.

You might say that you don't need to worry about it because it hasn't happened to you before, but this was the same mindset that people in Waverly, Tennesee had earlier this year.

Really one of the best ways to prepare is to have flood insurance since this already covers the concern of protecting your house: from the construction up to the contents inside. Sometimes even more if you're looking at the private flood insurance market. This way, you already eliminate those thoughts that you need to stay with your property to watch its condition when flooding happens.

Another step that's very crucial is making sure you are always updated on the weather condition for each and every day. Be it going to work or just staying at home, we encourage making sure that you watch over this at all times. Most times, homeowners and commuters will underestimate the power of rain and floodwater. 

In the yuletide season, we want you to only enjoy the holiday with your family and friends. This is difficult to do when you're worrying about floodwater coming in, so if you need help understanding how flood insurance work, where to buy flood insurance in Alabama, understanding your risk of flooding, or anything related to floods, click below to access our Flood Learning Center.

You can also click my picture below to call us and remember, we have an educational background in flood mitigation which lets us help you understand your flood risks, flood policy, and protecting your property long-term.

We've already completed the first part of this big series on the upcoming changes to federal flood insurance. We have covered each state however that only gives a small idea of the changes coming. In this new series for Risk Rating 2.0, we want to cover the National Flood Insurance Program's (NFIP) changes to communities in each state.

Today, we will talk about Alabama and Huntsville City to dive deeper into understanding the upcoming changes to your flood insurance policy from the Federal Emergency Management Agency (FEMA).

The NFIP

First, let's have a quick look back on the federal flood insurance scene which is specifically what's called the National Flood Insurance Program. Let's go through what the NFIP is and why the Risk Rating 2.0 is happening.

The National Flood Insurance Program (NFIP) flood insurance cover both damages to the building and contents. When we say building, this generally pertains to a residential property or a commercial structure that gets flood coverage that maxes out to $250,000 (up to $500,000 for commercial flood policies only). At the same time, you'll also find contents coverage of $100,000 or the personal property you have listed with the insured building. They have been providing billions of dollars in flood claims across the state.

FEMA and the NFIP also help in other ways as well since policyholders are eligible for their Increased Cost of Compliance (ICC) and what's called the Community Rating System (CRS).

The ICC is an additional $30,000 flood coverage to give way for flood mitigation efforts for the insured property to avoid massive losses from a future flood event. The CRS on the other hand is a community-based rating system that measures the overall flood mitigation efforts made by the community in general; basically, this means that the higher your CRS score is, the bigger the discount. 

Now, it's important to remember that the NFIP was established by the federal government under FEMA in 1968. Some parts changed when it comes to how the program works however the last major changes and updates that the NFIP got were from 30 years ago. This is where the Risk Rating 2.0 comes in.

What is the Risk Rating 2.0

This is what FEMA calls equity in action when it comes to making the cost of flood insurance policies fairer per policyholder. This simply means that when it comes to flood insurance rates, a lot of things will start to change with the NFIP and FEMA. Generally, this is because property values for each individual property will be accounted for when finalizing your quote and flood insurance premiums with the National Flood Insurance Program (NFIP).

It's important to note, however, that this won't mean that the cheapest flood insurance will go automatically to lower-valued homes. It's equally important that we take into account, just like FEMA does and the private flood insurance industry, what's called flood risk variables which includes, but is not limited to the following:

• Designation in the flood zone maps.
• History of flood incidents, flood damage, and flood loss
• Flood claims made with the property
• Flood hazard, flood plain devolvement, and impact of flooding
• Risk of flood in the area, the chance of flooding, and flood frequency
• Mitigation efforts made on the property. Is the lowest floor above the base flood elevation? Are there enough flood openings to let flood waters through?

Now that we've covered the NFIP and the Risk Rating 2.0, let's talk about its impact on Madison County and its seat, Huntsville City. We'll cover the good, the bad, and the ugly changes coming to the residents of the city.

The Good

We want to cover the good things coming to Huntsville City first. We'll divide these good changes into two to specify the changes coming to flood insurance rates. This good change will bring an immediate decrease in the premium rates of those impacted. About 14.3% or 632 of the policies in the city will get impacted by this change.

The first half will impact about 9.1% or 403 policies will be getting a decrease that ranges from $0, which means there'll be no change at all, to $50 per month ($0 - $600 per year). The other half of this good change impacts 5.2% or 229 policies which will get a better deal since the decrease ranges from $50 to more than $100 per month ($600-$1200 per year). 

This decrease can help a lot of people who might not want to risk the private sector holding back on their services. Generally, since the private flood insurance companies aren't bound by the government's red tapes, they can easily move out of an area once the risk of flooding becomes too uncomfortable for them. 

The Bad

Now, let's move into the bad news and bad changes that the Risk Rating 2.0 will bring to residents of Huntsville in Alabama. A whopping 75.2% or 3,320 policies in force from FEMA will get an increase ranging from $0 to $10 per month ($0 - $120 per year). This is drastically smaller compared to other major cities we'll cover across this series.

You may want to prepare for these premium rate increases with this new Risk Rating considering how this portion of bad changes generally covers the bigger chunk of these changes.

This is why it's so important to understand these changes because you want to get the most out of your investment in flood policies when in proportion to the flood insurance coverage you'll get. Nobody would want to pay a higher amount, only to get covered for only $250,000 in a $500,000 home.

The Ugly

There are also ugly changes coming however this will only impact one policy in the city. It's important to note that these changes will be escalating as we move further in the range, meaning there's the ugly, the uglier, and the ugliest change impacting about 461 or about 10.4% of the policies that FEMA has in Huntsville.

First, we have to cover the ugly change. This will impact 6.8% or 298 policies that will get an increase of about $10 to $20 per month ($120 to $240 per year) on that flood insurance policy's price when it comes to premium rates from FEMA.

Now, there's still that uglier change which will be bringing an increase that ranges from $20 to $50 per month ($240 to $600 per year). This will impact 149 policies in the city (3.4%) once the Risk Rating 2.0 update kicks in these policyholders' flood insurance.

Lastly, there's the ugliest change which is mainly due to the drastic increase it will bring to policyholders covered under this umbrella. We're talking about an increase that ranges from $50 to more than $100 per month ($600 to $1200 per year on premium rates) and will affect about 0.3% or 14 policies in the city.

This type of change can really hurt anyone's financial stability especially when we're talking about those who already find it hard to keep up with their flood insurance premiums. This is why we also recommend either prepare for these changes way ahead of time or prepare for moving into a different flood insurance company from the private flood insurance market.

When Will It Happen?

Now, the date when you can adopt this program really depends if you're doing a renewal or if it's a new business policy. You see, you can expect these changes to start on October 1st and you're going to adapt to these rate changes if you're buying flood insurance from FEMA on or after that date. 

On the other hand, if you're doing a renewal with FEMA after that date then you don't have to take in these new rate changes until April 1st, 2022, or the date of your upcoming policy renewal.

If you have questions on these upcoming changes, what are your flood insurance options in Alabama, or anything about flood, reach out to us through the links below. You can also watch this on our YouTube channel.

Remember, we have an educational background in flood mitigation and we want to help you understand flood risks through education and awareness in flood insurance and preparedness.

We've already completed the first part of this big series on the upcoming changes to federal flood insurance. We have covered each state however that only gives a small idea of the changes coming. In this new series for Risk Rating 2.0, we want to cover the National Flood Insurance Program's (NFIP) changes to communities in each state.

Today, we will talk about Alabama and the city of Anniston to dive deeper into understanding the upcoming changes to your flood insurance policy from the Federal Emergency Management Agency (FEMA).

The NFIP

First, let's have a quick look back on the federal flood insurance scene which is specifically what's called the National Flood Insurance Program. Let's go through what the NFIP is and why the Risk Rating 2.0 is happening.

The National Flood Insurance Program (NFIP) flood insurance cover both damages to the building and contents. When we say building, this generally pertains to a residential property or a commercial structure that gets flood coverage that maxes out to $250,000 (up to $500,000 for commercial flood policies only). At the same time, you'll also find contents coverage of $100,000 or the personal property you have listed with the insured building.

FEMA and the NFIP also help in other ways as well since policyholders are eligible for their Increased Cost of Compliance (ICC) and what's called the Community Rating System (CRS).

The ICC is an additional $30,000 flood coverage to give way for flood mitigation efforts for the insured property to avoid massive losses from a future flood event. The CRS on the other hand is a community-based rating system that measures the overall flood mitigation efforts made by the community in general; basically, this means that the higher your CRS score is, the bigger the discount. 

Now, it's important to remember that the NFIP was established by the federal government under FEMA in 1968. Some parts changed when it comes to how the program works however the last major changes and updates that the NFIP got were from 30 years ago. This is where the Risk Rating 2.0 comes in.

What is the Risk Rating 2.0

This is what FEMA calls equity in action when it comes to making the cost of flood insurance policies fairer per policyholder. This simply means that when it comes to flood insurance rates, a lot of things will start to change with the NFIP and FEMA. Generally, this is because property values for each individual property will be accounted for when finalizing your quote and flood insurance premiums with the National Flood Insurance Program (NFIP).

It's important to note, however, that this won't mean that the cheapest flood insurance will go automatically to lower-valued homes. It's equally important that we take into account, just like FEMA does and the private flood insurance industry, what's called flood risk variables which includes, but is not limited to the following:

• Designation in the flood zone maps.
• History of flood incidents, flood damage, and flood loss
• Flood claims made with the property
• Flood hazard, flood plain devolvement, and impact of flooding
• Risk of flood in the area, the chance of flooding, and flood frequency
• Mitigation efforts made on the property. Is the lowest floor above the base flood elevation? Are there enough flood openings to let flood waters through?

Now that we've covered the NFIP and the Risk Rating 2.0, let's talk about its impact on Calhoun County and its seat, Anniston in Alabama. We'll cover the good, the bad, and the ugly changes coming to the residents of the city.

The Good

We want to cover the good things coming to Anniston first. We'll divide these good changes into two to specify the changes coming to flood insurance rates. This good change will bring an immediate decrease in the premium rates of those impacted. About 23% or 113 of the policies in the city will get impacted by this change.

The first half will impact about 13.6% or 67 policies will be getting a decrease that ranges from $0, which means there'll be no change at all, to $50 per month ($0 - $600 per year). The other half of this good change impacts 9.4% or 46 policies which will get a better deal since the decrease ranges from $50 to more than $100 per month ($600-$1200 per year). 

This decrease can help a lot of people who might not want to risk the private sector holding back on their services. Generally, since the private flood insurance companies aren't bound by the government's red tapes, they can easily move out of an area once the risk of flooding becomes too uncomfortable for them. 

The Bad

Now, let's move into the bad news and bad changes that the Risk Rating 2.0 will bring to residents of Anniston in Alabama. A whopping 60.3% or 296 policies in force from FEMA will get an increase ranging from $0 to $10 per month ($0 - $120 per year). This is drastically smaller compared to other major cities we'll cover across this series.

You may want to prepare for these premium rate increases with this new Risk Rating considering how this portion of bad changes generally covers the bigger chunk of these changes.

This is why it's so important to understand these changes because you want to get the most out of your investment in flood policies when in proportion to the flood insurance coverage you'll get. Nobody would want to pay a higher amount, only to get covered for only $250,000 in a $500,000 home.

The Ugly

There are also ugly changes coming however this will only impact one policy in the city. It's important to note that these changes will be escalating as we move further in the range, meaning there's the ugly, the uglier, and the ugliest change impacting about 82 or about 16.7% of the policies that FEMA has in Anniston.

First, we have to cover the ugly change. This will impact 10.2% or 50 policies that will get an increase of about $10 to $20 per month ($120 to $240 per year) on that flood insurance policy's price when it comes to premium rates from FEMA.

Now, there's still that uglier change which will be bringing an increase that ranges from $20 to $50 per month ($240 to $600 per year). This will impact 18 policies in the city (3.7%) once the Risk Rating 2.0 update kicks in these policyholders' flood insurance.

Lastly, there's the ugliest change which is mainly due to the drastic increase it will bring to policyholders covered under this umbrella. We're talking about an increase that ranges from $50 to more than $100 per month ($600 to $1200 per year on premium rates) and will affect about 2.9% or 14 policies in the city.

This type of change can really hurt anyone's financial stability especially when we're talking about those who already find it hard to keep up with their flood insurance premiums. This is why we also recommend either prepare for these changes way ahead of time or prepare for moving into a different flood insurance company from the private flood insurance market.

When Will It Happen?

Now, the date when you can adopt this program really depends if you're doing a renewal or if it's a new business policy. You see, you can expect these changes to start on October 1st and you're going to adapt to these rate changes if you're buying flood insurance from FEMA on or after that date. 

On the other hand, if you're doing a renewal with FEMA after that date then you don't have to take in these new rate changes until April 1st, 2022, or the date of your upcoming policy renewal.

If you have questions on these upcoming changes, what are your flood insurance options in Alabama, or anything about flood, reach out to us through the links below. You can also watch this on our YouTube channel.

Remember, we have an educational background in flood mitigation and we want to help you understand flood risks through education and awareness in flood insurance and preparedness.

We've already completed the first part of this big series on the upcoming changes to federal flood insurance. We have covered each state however that only gives a small idea of the changes coming. In this new series for Risk Rating 2.0, we want to cover the National Flood Insurance Program's (NFIP) changes to communities in each state.

Today, we will talk about Alabama and Montgomery City to dive deeper into understanding the upcoming changes to your flood insurance policy from the Federal Emergency Management Agency (FEMA).

What is the Risk Rating 2.0

This is what FEMA calls equity in action when it comes to making the cost of flood insurance policies fairer per policyholder. This simply means that when it comes to flood insurance rates, a lot of things will start to change with the NFIP and FEMA.

Generally, this is because property values for each individual property will be accounted for when finalizing your quote and flood insurance premiums with the National Flood Insurance Program (NFIP).

It's important to note, however, that this won't mean that the cheapest flood insurance will go automatically to lower-valued homes. It's equally important that we take into account, just like FEMA does and the private flood insurance industry, what's called flood risk variables which includes, but is not limited to the following:

• Designation in the flood zone maps.
• History of flood incidents, flood damage, and flood loss
• Flood claims made with the property
• Flood hazard, flood plain devolvement, and impact of flooding
• Risk of flood in the area, the chance of flooding, and flood frequency
• Mitigation efforts made on the property. Is the lowest floor above the base flood elevation? Are there enough flood openings to let flood waters through?

The NFIP

Let's have a quick look back on the federal flood insurance scene which is specifically what's called the National Flood Insurance Program. Let's go through what the NFIP is and why the Risk Rating 2.0 is happening.

The National Flood Insurance Program (NFIP) flood insurance cover both damages to the building and contents. When we say building, this generally pertains to a residential property or a commercial structure that gets flood coverage that maxes out to $250,000 (up to $500,000 for commercial flood policies only). At the same time, you'll also find contents coverage of $100,000 or the personal property you have listed with the insured building. They have been providing billions of dollars in flood claims across the state.

FEMA and the NFIP also help in other ways as well since policyholders are eligible for their Increased Cost of Compliance (ICC) and what's called the Community Rating System (CRS).

The ICC is an additional $30,000 flood coverage to give way for flood mitigation efforts for the insured property to avoid massive losses from a future flood event. The CRS on the other hand is a community-based rating system that measures the overall flood mitigation efforts made by the community in general; basically, this means that the higher your CRS score is, the bigger the discount. 

Now, it's important to remember that the NFIP was established by the federal government under FEMA in 1968. Some parts changed when it comes to how the program works however the last major changes and updates that the NFIP got were from 30 years ago. This is where the Risk Rating 2.0 comes in.

Now that we've covered the NFIP and the Risk Rating 2.0, let's talk about its impact on Montgomery County and its seat, Montgomery City. We'll cover the good, the bad, and the ugly changes coming to the residents of the city.

The Good

We want to cover the good things coming to Montgomery, Alabama first. We'll divide these good changes into two to specify the changes coming to flood insurance rates. This good change will bring an immediate decrease in the premium rates of those impacted. About 17.4% or 226 of the policies in the city will get impacted by this change.

The first half will impact about 7.2% or 94 policies will be getting a decrease that ranges from $0, which means there'll be no change at all, to $50 per month ($0 - $600 per year). The other half of this good change impacts 10.2% or 132 policies which will get a better deal since the decrease ranges from $50 to more than $100 per month ($600-$1200 per year). 

This decrease can help a lot of people who might not want to risk the private sector holding back on their services. Generally, since the private flood insurance companies aren't bound by the government's red tapes, they can easily move out of an area once the risk of flooding becomes too uncomfortable for them. 

The Bad

Now, let's move into the bad news and bad changes that the Risk Rating 2.0 will bring to residents of Montgomery in Alabama. A whopping 71.7% or 931 policies in force from FEMA will get an increase ranging from $0 to $10 per month ($0 - $120 per year). This is drastically smaller compared to other major cities we'll cover across this series.

You may want to prepare for these premium rate increases with this new Risk Rating considering how this portion of bad changes generally covers the bigger chunk of these changes.

This is why it's so important to understand these changes because you want to get the most out of your investment in flood policies when in proportion to the flood insurance coverage you'll get. Nobody would want to pay a higher amount, only to get covered for only $250,000 in a $500,000 home.

The Ugly

There are also ugly changes coming however this will only impact one policy in the city. It's important to note that these changes will be escalating as we move further in the range, meaning there's the ugly, the uglier, and the ugliest change impacting about 1,142 or about 14.2% of the policies that FEMA has in Montgomery.

First, we have to cover the ugly change. This will impact 6.2% or 81 policies that will get an increase of about $10 to $20 per month ($120 to $240 per year) on that flood insurance policy's price when it comes to premium rates from FEMA.

Now, there's still that uglier change which will be bringing an increase that ranges from $20 to $50 per month ($240 to $600 per year). This will impact 50 policies in the city (3.8%) once the Risk Rating 2.0 update kicks in these policyholders' flood insurance.

Lastly, there's the ugliest change which is mainly due to the drastic increase it will bring to policyholders covered under this umbrella. We're talking about an increase that ranges from $50 to more than $100 per month ($600 to $1200 per year on premium rates) and will affect about 0.8% or 11 policies in the city.

This type of change can really hurt anyone's financial stability especially when we're talking about those who already find it hard to keep up with their flood insurance premiums. This is why we also recommend either prepare for these changes way ahead of time or prepare for moving into a different flood insurance company from the private flood insurance market.

When Will It Happen?

Now, the date when you can adopt this program really depends if you're doing a renewal or if it's a new business policy. You see, you can expect these changes to start on October 1st and you're going to adapt to these rate changes if you're buying flood insurance from FEMA on or after that date. 

On the other hand, if you're doing a renewal with FEMA after that date then you don't have to take in these new rate changes until April 1st, 2022, or the date of your upcoming policy renewal.

If you have questions on these upcoming changes, what are your flood insurance options in Alabama, or anything about flood, reach out to us through the links below. You can also watch this on our YouTube channel.

Remember, we have an educational background in flood mitigation and we want to help you understand flood risks through education and awareness in flood insurance and preparedness.

We've already completed the first part of this big series on the upcoming changes to federal flood insurance. We have covered each state however that only gives a small idea of the changes coming. In this new series for Risk Rating 2.0, we want to cover the National Flood Insurance Program's (NFIP) changes to communities in each state.

Today, we will talk about Alabama and Mobile City to dive deeper into understanding the upcoming changes to your flood insurance policy from the Federal Emergency Management Agency (FEMA).

What is the Risk Rating 2.0

This is what FEMA calls equity in action when it comes to making the cost of flood insurance policies fairer per policyholder. This simply means that when it comes to flood insurance rates, a lot of things will start to change with the NFIP and FEMA. Generally, this is because property values for each individual property will be accounted for when finalizing your quote and flood insurance premiums with the National Flood Insurance Program (NFIP).

It's important to note, however, that this won't mean that the cheapest flood insurance will go automatically to lower-valued homes. It's equally important that we take into account, just like FEMA does and the private flood insurance industry, what's called flood risk variables which includes, but is not limited to the following:

• Designation in the flood zone maps.
• History of flood incidents, flood damage, and flood loss
• Flood claims made with the property
• Flood hazard, flood plain devolvement, and impact of flooding
• Risk of flood in the area, the chance of flooding, and flood frequency
• Mitigation efforts made on the property. Is the lowest floor above the base flood elevation? Are there enough flood openings to let flood waters through?

The NFIP

Let's have a quick look back on the federal flood insurance scene which is specifically what's called the National Flood Insurance Program. Let's go through what the NFIP is and why the Risk Rating 2.0 is happening.

The National Flood Insurance Program (NFIP) flood insurance cover both damages to the building and contents. When we say building, this generally pertains to a residential property or a commercial structure that gets flood coverage that maxes out to $250,000 (up to $500,000 for commercial flood policies only). At the same time, you'll also find contents coverage of $100,000 or the personal property you have listed with the insured building. They have been providing billions of dollars in flood claims across the state.

FEMA and the NFIP also help in other ways as well since policyholders are eligible for their Increased Cost of Compliance (ICC) and what's called the Community Rating System (CRS).

The ICC is an additional $30,000 flood coverage to give way for flood mitigation efforts for the insured property to avoid massive losses from a future flood event. The CRS on the other hand is a community-based rating system that measures the overall flood mitigation efforts made by the community in general; basically, this means that the higher your CRS score is, the bigger the discount. 

Now, it's important to remember that the NFIP was established by the federal government under FEMA in 1968. Some parts changed when it comes to how the program works however the last major changes and updates that the NFIP got were from 30 years ago. This is where the Risk Rating 2.0 comes in.

Now that we've covered the NFIP and the Risk Rating 2.0, let's talk about its impact on Mobile County and its seat, Mobile City. We'll cover the good, the bad, and the ugly changes coming to the residents of the city.

The Good

We want to cover the good things coming to Mobile, Alabama first. We'll divide these good changes into two to specify the changes coming to flood insurance rates. This good change will bring an immediate decrease in the premium rates of those impacted. About 20.4% or 1,629 of the policies in the city will get impacted by this change.

The first half will impact about 10.6% or 842 policies will be getting a decrease that ranges from $0, which means there'll be no change at all, to $50 per month ($0 - $600 per year). The other half of this good change impacts 9.9% or 781 policies which will get a better deal since the decrease ranges from $50 to more than $100 per month ($600-$1200 per year). 

This decrease can help a lot of people who might not want to risk the private sector holding back on their services. Generally, since the private flood insurance companies aren't bound by the government's red tapes, they can easily move out of an area once the risk of flooding becomes too uncomfortable for them. 

The Bad

Now, let's move into the bad news and bad changes that the Risk Rating 2.0 will bring to residents of Mobile in Alabama. A whopping 65.2% or 5,197 policies in force from FEMA will get an increase ranging from $0 to $10 per month ($0 - $120 per year). This is drastically smaller compared to other major cities we'll cover across this series.

You may want to prepare for these premium rate increases with this new Risk Rating considering how this portion of bad changes generally covers the bigger chunk of these changes.

This is why it's so important to understand these changes because you want to get the most out of your investment in flood policies when in proportion to the flood insurance coverage you'll get. Nobody would want to pay a higher amount, only to get covered for only $250,000 in a $500,000 home.

The Ugly

There are also ugly changes coming however this will only impact one policy in the city. It's important to note that these changes will be escalating as we move further in the range, meaning there's the ugly, the uglier, and the ugliest change impacting about 1,142 or about 14.2% of the policies that FEMA has in Mobile.

First, we have to cover the ugly change. This will impact 8.4% or 672 policies that will get an increase of about $10 to $20 per month ($120 to $240 per year) on that flood insurance policy's price when it comes to premium rates from FEMA.

Now, there's still that uglier change which will be bringing an increase that ranges from $20 to $50 per month ($240 to $600 per year). This will impact 395 policies in the city (5%) once the Risk Rating 2.0 update kicks in these policyholders' flood insurance.

Lastly, there's the ugliest change which is mainly due to the drastic increase it will bring to policyholders covered under this umbrella. We're talking about an increase that ranges from $50 to more than $100 per month ($600 to $1200 per year on premium rates) and will affect about 0.9% or 75 policies in the city.

This type of change can really hurt anyone's financial stability especially when we're talking about those who already find it hard to keep up with their flood insurance premiums. This is why we also recommend either prepare for these changes way ahead of time or prepare for moving into a different flood insurance company from the private flood insurance market.

When Will It Happen?

Now, the date when you can adopt this program really depends if you're doing a renewal or if it's a new business policy. You see, you can expect these changes to start on October 1st and you're going to adapt to these rate changes if you're buying flood insurance from FEMA on or after that date. 

On the other hand, if you're doing a renewal with FEMA after that date then you don't have to take in these new rate changes until April 1st, 2022, or the date of your upcoming policy renewal.

If you have questions on these upcoming changes, what are your flood insurance options in Alabama, or anything about flood, reach out to us through the links below. You can also watch this on our YouTube channel.

Remember, we have an educational background in flood mitigation and we want to help you understand flood risks through education and awareness in flood insurance and preparedness.