Clark Howard: Flood insurance  Updated: 4/18/2013 12:14 pm
JACKSONVILLE, Fla. -- The weather patterns around the U.S. have
been crazy in the last several months!  So, who knows where
we're headed.  I can tell you is you need to be prepared for
potential problems. And one of the things that people overlook
is the possibility of a flood.   In fact, a lot of people, until
they experience it, have no idea that your homeowners policy
does not cover you for a flood.   We live in an area by a creek
and it's considered an extremely low risk area for a flood.  But
we buy flood insurance.  You buy it from floodsmart.gov. and,
here's the thing, if you're in an area that has a very high
flood risk, your lender is going to require that you buy flood
insurance.  If you are deemed at an area at low risk or no risk
at all you probably aren't going to be required to, but you
should consider buying it.   How much is it going to cost you? 
You know it could cost you only a couple hundred dollars a year
for that peace of mind. 