{"id":12229,"date":"2017-08-28T11:45:56","date_gmt":"2017-08-28T15:45:56","guid":{"rendered":"http:\/\/site.extension.uga.edu\/climate\/?p=12229"},"modified":"2017-08-28T14:08:30","modified_gmt":"2017-08-28T18:08:30","slug":"do-you-need-flood-insurance","status":"publish","type":"post","link":"https:\/\/site.extension.uga.edu\/climate\/2017\/08\/do-you-need-flood-insurance\/","title":{"rendered":"Do you need flood insurance?"},"content":{"rendered":"<p>Many homeowners do not know that their regular homeowners&#8217; insurance does not cover damaging from flooding. For that you must purchase separate flood insurance. \u00a0In many areas, only about 10% of homeowners have flood insurance on their properties, resulting in massive uninsured losses. You also need to have purchased flood insurance at least 30 days before you are eligible to make a claim, which prevents people that are under imminent threat of flooding from purchasing flood insurance at the last moment. \u00a0Learn more about this insurance, which costs a few hundred dollars a year for most people, from <em>Clark Howard<\/em> <a href=\"https:\/\/clark.com\/homes-real-estate\/flood-insurance-easy-and-cheap-own\/?utm_source=Clark+Newsletter+List&amp;utm_campaign=af5226963a-Clark_Daily_Newsletter&amp;utm_medium=email&amp;utm_term=0_afa92deb83-af5226963a-71357749\">here<\/a>.<\/p>\n<p>If you are interested in the history of the flood insurance program, this Washington Post <a href=\"https:\/\/www.washingtonpost.com\/news\/politics\/wp\/2017\/08\/28\/want-to-be-mad-about-a-government-insurance-program-be-mad-about-the-one-that-will-be-critical-to-cleaning-up-from-harvey\/?utm_term=.464ffa43c5f3&amp;wpisrc=nl_most&amp;wpmm=1\">article<\/a> describes how it was formed and its current shaky financial state.<\/p>\n<figure id=\"attachment_1380\" aria-describedby=\"caption-attachment-1380\" style=\"width: 300px\" class=\"wp-caption alignnone\"><a href=\"https:\/\/site.extension.uga.edu\/climate\/files\/2014\/11\/Commons-FEMA_-_37590_-_Community_Flooding_in_Florida.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-1380\" src=\"https:\/\/site.extension.uga.edu\/climate\/files\/2014\/11\/Commons-FEMA_-_37590_-_Community_Flooding_in_Florida-300x199.jpg\" alt=\"\" width=\"300\" height=\"199\" srcset=\"https:\/\/site.extension.uga.edu\/climate\/files\/2014\/11\/Commons-FEMA_-_37590_-_Community_Flooding_in_Florida-300x199.jpg 300w, https:\/\/site.extension.uga.edu\/climate\/files\/2014\/11\/Commons-FEMA_-_37590_-_Community_Flooding_in_Florida-207x138.jpg 207w, https:\/\/site.extension.uga.edu\/climate\/files\/2014\/11\/Commons-FEMA_-_37590_-_Community_Flooding_in_Florida.jpg 640w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/a><figcaption id=\"caption-attachment-1380\" class=\"wp-caption-text\">Source: FEMA via Commons Wikimedia<\/figcaption><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>Many homeowners do not know that their regular homeowners&#8217; insurance does not cover damaging from flooding. For that you must purchase separate flood insurance. \u00a0In many areas, only about 10% of homeowners have flood insurance on their properties, resulting in massive uninsured losses. You also need to have purchased flood insurance at least 30 days [&hellip;]<\/p>\n","protected":false},"author":58,"featured_media":1380,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[],"class_list":["post-12229","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-climate-and-ag-in-the-news"],"_links":{"self":[{"href":"https:\/\/site.extension.uga.edu\/climate\/wp-json\/wp\/v2\/posts\/12229","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/site.extension.uga.edu\/climate\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/site.extension.uga.edu\/climate\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/site.extension.uga.edu\/climate\/wp-json\/wp\/v2\/users\/58"}],"replies":[{"embeddable":true,"href":"https:\/\/site.extension.uga.edu\/climate\/wp-json\/wp\/v2\/comments?post=12229"}],"version-history":[{"count":3,"href":"https:\/\/site.extension.uga.edu\/climate\/wp-json\/wp\/v2\/posts\/12229\/revisions"}],"predecessor-version":[{"id":12236,"href":"https:\/\/site.extension.uga.edu\/climate\/wp-json\/wp\/v2\/posts\/12229\/revisions\/12236"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/site.extension.uga.edu\/climate\/wp-json\/wp\/v2\/media\/1380"}],"wp:attachment":[{"href":"https:\/\/site.extension.uga.edu\/climate\/wp-json\/wp\/v2\/media?parent=12229"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/site.extension.uga.edu\/climate\/wp-json\/wp\/v2\/categories?post=12229"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/site.extension.uga.edu\/climate\/wp-json\/wp\/v2\/tags?post=12229"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}