In fact, 2001 was a terrible year for the United States when it came to flooding. We saw the Mississippi and Missouri rivers break through levees in many states. We also noticed incredible snow cover in Colorado, Montana, Idaho, Nevada and California and the runoff in June 2001 was significant causing all kinds of flooding and some pretty serious incidents as you know. Of course, the time to buy flood insurance is before the flood.

What was that famous line in the movie? “When did Noah build the ark, before the flood do you remember?” Yes, I love that quote, I use it quite often, and yet buying flood insurance is quite expensive, especially if you live in a flood zone, and then there’s the 50-year flood or the 100-year flood, those are floods. events that go far beyond the normal cycles of droughts and rainy seasons, and when they do occur there can be devastation, loss of life and massive property damage.

Now when it comes to flooding, not all flood insurance policies are created equal. If you buy hurricane insurance, it may cover storm surge, but maybe not the massive rain that the hurricane brings, which floods your property later. After all, that massive amount of rain can happen upriver, and after the storm passes, the water goes down, maybe even after a couple more storms later in the season. Do you see the problem?

Now if you remember, the Army Corps of Engineers had no choice as the Mississippi levees were in jeopardy and that flood spike would have inundated massive parts of New Orleans and Baton Rouge Louisiana where millions of people live. Therefore, they opened the dams along the Mississippi and allowed the water to flood an area of ​​3,000 square miles. Unfortunately, there were small towns and cities in their path, and they were flooded on purpose to save the larger area. Yes, those are tough decisions to make, however, people were forced to evacuate and a deluge of water was released.

Okay, you may not realize this, but even if you had flood insurance in those areas, the flood insurance company would not pay for the policy because the government flooded the area on purpose, so you are being It will tell you to contact the government to get paid for your damages, after all it was your fault, and your decision to flood your house and your city. Most people don’t realize this, and yet it’s hard to say whether the government will pay, we’ll see. In fact, I hope you will please consider all of this and think about it.