[wendyquat]

We just got our homeowners from AAA and they suggested flood insurance. I think it was less than $150 per year! We first said no but we bought a courtyard villa and I got to thinking about the surrounding walls and what might happen if we had more rain than the drains could handle. In my mind I can see it backing up into the villas sitting right on the ground! We saw the damages from floods in NC when areas in the town where we lived flooded up to 5 feet inside (and these had crawl spaces). There is no river or body of water within 10 miles of the place but 2 hurricanes hit back to back and dropped over 17 inches of water in a very short time swelling the drainage ditch that surrounded the town. All of the flooded homes were near the drainage ditch (which had become clogged with debris downstream). It was not in a flood plain and it was not supposed to happen but it did. It took several months for the homes to dry out sufficiently to repair everything but just about the time they were getting back to normal it happened again!
(By the way, since it was not in the flood plain the property owners had no flood insurance!) After the second flooding they did get a FEMA buyout but it is something I never want to experience! We decided to pay the $150 and have the peace of mind of having it.