Flood insurance is a federal run program, its expensive because a lot of people do not buy it, they rely on federal rescue when things happened like Katrina.
You agent is horrible. This is 101 knowledge when buying a house. Flood insurance is very expensive, and will increase every year. To reduce premium: try looking for private flood insurance provider increasing deductible to max
问了邻居，那里从来没有flood 过。
有姐妹们的房子有这个吗？一般是多少？怎么可以减少premium 呢？这个是不是必须一直要carry 下去呢？好肉痛...
flood zone 的房子对比类似的会便宜不少。
你看那个图，如果以后房子出来那个圈，可以找保险公司去掉
这恐怕不行的，分分钟告你mortgage fraud啊。你还没close呢，能退出吗？
保险一般是escrow account直接付的，只要有贷款，就不能drop。
这是要BSO买了水景房吗？
不表态，谨慎观望中
你只要有贷款就必须买， 是得到贷款的条件之一
大家知道这类保险可以有办法抵税吗？或者别的办法算到expenses上？
You agent is horrible. This is 101 knowledge when buying a house. Flood insurance is very expensive, and will increase every year.
To reduce premium: try looking for private flood insurance provider increasing deductible to max
我家就是这样。原来是在flood zone，builder盖房子的时候那片地全部加高了，就不再是flood zone了。我专门问的，builder后来还提供了文件，说是不需要买flood insurance了。然后，Harvey来年光顾了一下，500年一遇，大水涨的超过drive way 一大半，还好没有进家门。整个小区的路都淹了，但是没有一家进水的。一旦进水，清理起来很麻烦的。所以，flood zone的房子还是不要买吧。