JNL on Nostr: If you're thinking about it, you should know that the US federal flood insurance ...

If you're thinking about it, you should know that the US federal flood insurance program is easier and cheaper to sign up for than it used to be, and I say that having experience of both the harder thing and the more recent thing. There is now a cap of $250,000 for your dwelling and $100,000 for your furnishings/personal property--that is what changed. For the vast majority of us, that is only very partial coverage. That said, it's WAY more affordable, guaranteed by the US government, and WAY better than nothing. It cost us $1000 to insure our coastal property at this level for a year. We also had the option (which our insurer connected us with directly) to choose private insurance to cover the balance. We opted not to do this and to just self-insure for the remainder, but you choose what works.

Don't let people tell you that US flood insurance is unavailable, though- it is not. And you should probably look into it.