{"id":1059,"date":"2020-11-04T06:00:04","date_gmt":"2020-11-04T11:00:04","guid":{"rendered":"https:\/\/www.deeds.com\/articles\/?p=1059"},"modified":"2024-04-25T23:20:28","modified_gmt":"2024-04-26T03:20:28","slug":"inundated-the-national-flood-insurance-system","status":"publish","type":"post","link":"https:\/\/www.deeds.com\/articles\/inundated-the-national-flood-insurance-system\/","title":{"rendered":"Inundated: The National Flood Insurance System"},"content":{"rendered":"\n<div class=\"wp-block-image\"><figure class=\"alignright is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2020\/11\/flood-insurance.jpg\" alt=\"Image of someone's feet next to a puddle of water with leaves in it. Captioned: Inundated, The National Flood Insurance System\" class=\"wp-image-1060\" width=\"492\" height=\"327\" srcset=\"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2020\/11\/flood-insurance.jpg 983w, https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2020\/11\/flood-insurance-300x199.jpg 300w, https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2020\/11\/flood-insurance-768x510.jpg 768w\" sizes=\"auto, (max-width: 492px) 100vw, 492px\" \/><\/figure><\/div>\n\n\n\n<p>A rainy day is the perfect time for a walk in the woods,\nRachel Carson said. But it\u2019s not the best time to live at the base of a\ndownward slope. And while homes built near water are popular and picturesque, buyers\nlonging for a river view are wise to <a href=\"https:\/\/www.deeds.com\/articles\/hiding-in-plain-sight-how-to-spot-four-visible-kinds-of-home-damage\/\">look\nclosely and ask questions<\/a> about potential water damage. <\/p>\n\n\n\n<p>Floods are increasingly common. And flooding is the\ncostliest of natural disasters in the U.S., according to the Federal Emergency\nManagement Agency. FEMA\u2019s system is being put to the test now, as rising\nnumbers of us live with storms and floods. Can flood insurance keep us protected?\nHere\u2019s what you need to know.<\/p>\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\">Put to the Test: FEMA\u2019s Insurance Program<\/h2>\n\n\n\n<p>The agency\u2019s <a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.fema.gov\/flood-insurance\" target=\"_blank\">National Flood Insurance Program<\/a> (NFIP) is meant to help people and communities in regions that are statistically flood-prone. <a href=\"https:\/\/www.floodsmart.gov\/flood-insurance\/why\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">According to FEMA<\/a>, just an inch of flooding can cause more than $25,000 in damage. The standard insurance policies available to most home buyers won\u2019t cover it. <\/p>\n\n\n\n<p>Congress passed the National Flood Insurance Act in 1968.\nWith that law, a federal system was created to cover buildings within the\nNational Flood Insurance Program. FEMA flood insurance is supplied through a\nnetwork of insurance companies that cover property owners, renters and\nbusinesses, with FEMA as underwriter. <\/p>\n\n\n\n<p>Your mortgage company may require flood insurance if you\nchoose a home in a high-risk flood zone. Indeed, it\u2019s up to the lender\u2019s\ndiscretion to have a buyer purchase insurance for houses even in low-risk or\nmoderate-risk areas. Lenders consult FEMA\u2019s maps to make these calls, so home\nshoppers might wish to check specific addresses in the <a href=\"https:\/\/msc.fema.gov\/portal\/home\" target=\"_blank\" rel=\"noreferrer noopener\">flood\nmaps<\/a>&nbsp;before looking at a specific home to get an idea. Owners\nand renters can contact their counties to verify whether a certain address is\nin a flood zone, and call their insurance companies to ask for applications for\nFEMA insurance.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Costs and Coverage<\/h2>\n\n\n\n<p><a href=\"https:\/\/emilms.fema.gov\/IS1101b\/groups\/74.html\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">FEMA covers up to $250,000 for a one- to four-family building<\/a>. The coverage includes permanently installed appliances, systems, and floor coverings, and additional coverage can include up to $100,000 for its contents, including personal valuables and moveable appliances. <\/p>\n\n\n\n<p>There are some important restrictions:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>With few exceptions, there is a <a href=\"https:\/\/www.floodsmart.gov\/flood-insurance-cost\/terms\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">30-day waiting period<\/a> from the purchase date until the coverage takes effect \u2014 although it\u2019s effective immediately when you buy into FEMA\u2019s flood insurance program to obtain a mortgage loan.<\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li>Coverage in areas below the lowest elevated\nfloor is limited. <\/li><\/ul>\n\n\n\n<ul class=\"wp-block-list\"><li>The policy won\u2019t cover sewer backups not\ndirectly caused by floods; nor will it cover documents or currencies, fixtures\noutside the home, cars, loss of business, temporary housing, or emergency\nexpenses. <\/li><\/ul>\n\n\n\n<p>Policy premium costs vary from home to home. Weighing into the costs is a property\u2019s market value, and also its vulnerability to floods. So, an insurance agent will start with a <a href=\"http:\/\/www.floodmaps.com\/zones.htm\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">flood zone determination<\/a> for the area. The steepest premiums correlate with the AE (high risk) and the VE (very high risk) zones. Homes in these riskier zones will cost thousands of dollars annually to cover. It is not unheard of to have insurance bills that exceed the monthly mortgage payments. <\/p>\n\n\n\n<p>Premiums also vary by the deductible a homeowner chooses, and whether the owner gets coverage for the structure, its contents, or both. There are discounts in <a href=\"https:\/\/www.fema.gov\/flood-insurance\/rules-legislation\/community-rating-system\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">communities that mitigate flood risks<\/a>. Other ways to qualify for coverage or lower the premiums might include filling in a basement or obtaining an elevation certificate, raising utilities or having flood vents built in a crawl space. FEMA provides a <a rel=\"noreferrer noopener\" href=\"https:\/\/www.fema.gov\/media-library-data\/1404148604102-f210b5e43aba0fb393443fe7ae9cd953\/FEMA_P-312.pdf\" target=\"_blank\">Homeowner&#8217;s Guide to Retrofitting<\/a> to explain an owner\u2019s options.<\/p>\n\n\n\n<p>Owners of especially high-value homes or contents may decide to carry an additional flood rider, given FEMA\u2019s cap on payouts. Some insurers offer personal\u00a0<a href=\"https:\/\/www.forbes.com\/advisor\/homeowners-insurance\/flood-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">flood insurance<\/a>\u00a0policies that offer homeowners extra protection. In many coastal and hurricane-prone areas you\u2019ll need to get wind insurance too, in addition to regular homeowner\u2019s insurance.<\/p>\n\n\n\n<p>Then there are condos. Island or beachfront condominiums are\npopular properties. For these multi-unit buildings, which are even more\nexpensive to insure, the homeowners\u2019 association (HOA) covers the structures\nand the common amenities. Unit owners may have to buy interior insurance\ncoverage for their individual units, though. <\/p>\n\n\n\n<p><strong><em>Pro tip:<\/em><\/strong> Be cautious about buying in a partial\nflood zone. If your mortgage is sold, the new bank might not apply the same\nzoning code for your property as the loan originator had, or FEMA may change\nits flood levels after severe storm damage. Monthly mortgage payments can rise\nsignificantly when a property is rezoned.&nbsp;\n<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">FEMA Falls Short<\/h2>\n\n\n\n<p>Demand for federal flood insurance is on the rise. This trend\nis widely attributed to a disrupted climate, which entails warmer air, stronger\nstorms across the continent, harder rains, and rising sea levels.<\/p>\n\n\n\n<p>In theory, there is prompt help for people whose homes bear\nthe brunt. Homes that sustain repeated flooding can receive FEMA support to\nelevate the house or otherwise mitigate its flood risk. If the issue is common\nto several properties in one area, federal funding is available to local\ngovernments that need to improve their drainage systems.<\/p>\n\n\n\n<p>But in practice, homeowners can wait years for the agency\u2019s response. Recently, the Office of the Inspector General (OIG) came out with some troubling news about severe repetitive loss (SRL) homes. After an audit, the OIG published a report, bluntly titled <a href=\"https:\/\/www.oig.dhs.gov\/sites\/default\/files\/assets\/2020-09\/OIG-20-68-Sep20.pdf\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">FEMA Is Not Effectively Administering a Program to Reduce or Eliminate Damage to Severe Repetitive Loss Properties<\/a>, finding that tens of thousands of people dealing with flood after flood are not getting the help that\u2019s due to them. <\/p>\n\n\n\n<p>Under federal law, FEMA must track and provide federal aid\nto people whose houses repeatedly flood.<\/p>\n\n\n\n<p>But the new report finds FEMA isn\u2019t keeping up. The OIG also says some holders of FEMA-backed insurance policies have mitigated their flood risks, but not received lower rates. FEMA does not deny its shortcomings, but now must work to correct them. This will take time \u2014 especially as many of its flood maps are <a rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.scientificamerican.com\/article\/studies-sound-alarm-on-badly-out-of-date-fema-flood-maps\/\" target=\"_blank\">out-of-date<\/a>, and do not account for <a href=\"https:\/\/magazine.realtor\/daily-news\/2020\/07\/01\/is-my-home-in-a-flood-zone\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">climate change<\/a> and current rates of sea level rise.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Selling a Flood-Prone House: The Owner\u2019s and Agent\u2019s Duties<\/h2>\n\n\n\n<p>Sellers should review the laws in their states on\ndisclosures. States vary widely on having sellers disclose that past flooding has\noccurred, or that the house requires flood insurance coverage. But whether or\nnot the seller has a legal duty to disclose, buyers will understandably want to\nknow if the home is vulnerable, and if they\u2019ll need to purchase federal flood\ninsurance. <\/p>\n\n\n\n<p>If the seller does have flood insurance, but has mitigated\nthe risk or simply never experienced flooding, the seller would want to let\nbuyers know this. But if flooding is a problem for a home, its price needs to\ntake the buyer\u2019s risk and potential expenses into account. <\/p>\n\n\n\n<p>A seller cannot expect a real estate agent to bypass ethical and legal duties to inform buyers of material facts impacting property values. This means disclosure to the buyer is mandatory, and cannot be a case of buyer beware. Real estate agents must tell buyers about known vulnerabilities. They must explain flood insurance and how to get it. Can an agent be held liable by a buyer for neglecting these duties? The answer is yes. Home buyers can and do bring legal actions against sellers\u2019 real estate agents for <a href=\"https:\/\/magazine.realtor\/daily-news\/2020\/07\/22\/your-duty-to-disclose-a-property-s-flood-risks\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">failing to disclose their homes\u2019 flood histories<\/a>.<\/p>\n\n\n\n<p>Given the severity of this issue, will the federal\ngovernment enact a standard requirement for sellers to disclose to buyers what\nthey know about their homes\u2019 history and flood risks? Some states currently\nrequire sellers to complete forms including disclosure of past flooding, flood\nzone determination, or the seller\u2019s flood insurance status. The time is ripe\nfor such disclosures to become a national standard.&nbsp;<\/p>\n\n\n\n<p>Meanwhile, sellers should be open about their homes\u2019 histories. Transparency is the best policy.<\/p>\n\n\n\n<p class=\"has-small-font-size\">Photo credit: <a href=\"https:\/\/unsplash.com\/photos\/fdh83mlMlCM\" target=\"_blank\" rel=\"noreferrer noopener\" aria-label=\" (opens in a new tab)\">Eilis Garvey<\/a>, via Unsplash. <\/p>\n","protected":false},"excerpt":{"rendered":"<p>A rainy day is the perfect time for a walk in the woods, Rachel Carson said. But it\u2019s not the best time to live at the base of a downward slope. And while homes built near water are popular and picturesque, buyers longing for a river view are wise to look closely and ask questions [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[71],"tags":[],"class_list":["post-1059","post","type-post","status-publish","format-standard","hentry","category-general"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Inundated: The National Flood Insurance System - Deeds.com<\/title>\n<meta name=\"description\" content=\"FEMA\u2019s system is being put to the test now, as rising numbers of us live with storms and floods. Can flood insurance keep us protected? Here\u2019s what you need to know.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.deeds.com\/articles\/inundated-the-national-flood-insurance-system\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Inundated: The National Flood Insurance System - Deeds.com\" \/>\n<meta property=\"og:description\" content=\"FEMA\u2019s system is being put to the test now, as rising numbers of us live with storms and floods. Can flood insurance keep us protected? Here\u2019s what you need to know.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.deeds.com\/articles\/inundated-the-national-flood-insurance-system\/\" \/>\n<meta property=\"og:site_name\" content=\"Deeds.com\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/deedsrealestate\/\" \/>\n<meta property=\"article:published_time\" content=\"2020-11-04T11:00:04+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-04-26T03:20:28+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2020\/11\/flood-insurance.jpg\" \/>\n<meta name=\"author\" content=\"Deeds.com\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@RealEstateDeeds\" \/>\n<meta name=\"twitter:site\" content=\"@RealEstateDeeds\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Deeds.com\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/inundated-the-national-flood-insurance-system\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/inundated-the-national-flood-insurance-system\\\/\"},\"author\":{\"name\":\"Deeds.com\",\"@id\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/#\\\/schema\\\/person\\\/8e0eeca72de74094ddaa30fc54159b6b\"},\"headline\":\"Inundated: The National Flood Insurance System\",\"datePublished\":\"2020-11-04T11:00:04+00:00\",\"dateModified\":\"2024-04-26T03:20:28+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/inundated-the-national-flood-insurance-system\\\/\"},\"wordCount\":1333,\"publisher\":{\"@id\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/inundated-the-national-flood-insurance-system\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/wp-content\\\/uploads\\\/2020\\\/11\\\/flood-insurance.jpg\",\"articleSection\":[\"General\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/inundated-the-national-flood-insurance-system\\\/\",\"url\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/inundated-the-national-flood-insurance-system\\\/\",\"name\":\"Inundated: The National Flood Insurance System - Deeds.com\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/inundated-the-national-flood-insurance-system\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/inundated-the-national-flood-insurance-system\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/wp-content\\\/uploads\\\/2020\\\/11\\\/flood-insurance.jpg\",\"datePublished\":\"2020-11-04T11:00:04+00:00\",\"dateModified\":\"2024-04-26T03:20:28+00:00\",\"description\":\"FEMA\u2019s system is being put to the test now, as rising numbers of us live with storms and floods. Can flood insurance keep us protected? Here\u2019s what you need to know.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/inundated-the-national-flood-insurance-system\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.deeds.com\\\/articles\\\/inundated-the-national-flood-insurance-system\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/inundated-the-national-flood-insurance-system\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/wp-content\\\/uploads\\\/2020\\\/11\\\/flood-insurance.jpg\",\"contentUrl\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/wp-content\\\/uploads\\\/2020\\\/11\\\/flood-insurance.jpg\",\"width\":983,\"height\":653},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/inundated-the-national-flood-insurance-system\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Inundated: The National Flood Insurance System\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/#website\",\"url\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/\",\"name\":\"Deeds.com\",\"description\":\"Real Estate Deeds Made Easy Since 1997\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/#organization\",\"name\":\"Deeds.com\",\"url\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/wp-content\\\/uploads\\\/2018\\\/10\\\/deeds-logo-bw.png\",\"contentUrl\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/wp-content\\\/uploads\\\/2018\\\/10\\\/deeds-logo-bw.png\",\"width\":417,\"height\":208,\"caption\":\"Deeds.com\"},\"image\":{\"@id\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/deedsrealestate\\\/\",\"https:\\\/\\\/x.com\\\/RealEstateDeeds\",\"https:\\\/\\\/www.youtube.com\\\/channel\\\/UCWGNKXWKH9nluFfeIvG0OTQ\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.deeds.com\\\/articles\\\/#\\\/schema\\\/person\\\/8e0eeca72de74094ddaa30fc54159b6b\",\"name\":\"Deeds.com\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/ceb3eac3a742cc3487be04bdf8e23cf5e2804c1a8c7f64f206a3b18e850562b5?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/ceb3eac3a742cc3487be04bdf8e23cf5e2804c1a8c7f64f206a3b18e850562b5?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/ceb3eac3a742cc3487be04bdf8e23cf5e2804c1a8c7f64f206a3b18e850562b5?s=96&d=mm&r=g\",\"caption\":\"Deeds.com\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Inundated: The National Flood Insurance System - Deeds.com","description":"FEMA\u2019s system is being put to the test now, as rising numbers of us live with storms and floods. Can flood insurance keep us protected? Here\u2019s what you need to know.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.deeds.com\/articles\/inundated-the-national-flood-insurance-system\/","og_locale":"en_US","og_type":"article","og_title":"Inundated: The National Flood Insurance System - Deeds.com","og_description":"FEMA\u2019s system is being put to the test now, as rising numbers of us live with storms and floods. Can flood insurance keep us protected? Here\u2019s what you need to know.","og_url":"https:\/\/www.deeds.com\/articles\/inundated-the-national-flood-insurance-system\/","og_site_name":"Deeds.com","article_publisher":"https:\/\/www.facebook.com\/deedsrealestate\/","article_published_time":"2020-11-04T11:00:04+00:00","article_modified_time":"2024-04-26T03:20:28+00:00","og_image":[{"url":"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2020\/11\/flood-insurance.jpg","type":"","width":"","height":""}],"author":"Deeds.com","twitter_card":"summary_large_image","twitter_creator":"@RealEstateDeeds","twitter_site":"@RealEstateDeeds","twitter_misc":{"Written by":"Deeds.com","Est. reading time":"7 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.deeds.com\/articles\/inundated-the-national-flood-insurance-system\/#article","isPartOf":{"@id":"https:\/\/www.deeds.com\/articles\/inundated-the-national-flood-insurance-system\/"},"author":{"name":"Deeds.com","@id":"https:\/\/www.deeds.com\/articles\/#\/schema\/person\/8e0eeca72de74094ddaa30fc54159b6b"},"headline":"Inundated: The National Flood Insurance System","datePublished":"2020-11-04T11:00:04+00:00","dateModified":"2024-04-26T03:20:28+00:00","mainEntityOfPage":{"@id":"https:\/\/www.deeds.com\/articles\/inundated-the-national-flood-insurance-system\/"},"wordCount":1333,"publisher":{"@id":"https:\/\/www.deeds.com\/articles\/#organization"},"image":{"@id":"https:\/\/www.deeds.com\/articles\/inundated-the-national-flood-insurance-system\/#primaryimage"},"thumbnailUrl":"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2020\/11\/flood-insurance.jpg","articleSection":["General"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.deeds.com\/articles\/inundated-the-national-flood-insurance-system\/","url":"https:\/\/www.deeds.com\/articles\/inundated-the-national-flood-insurance-system\/","name":"Inundated: The National Flood Insurance System - Deeds.com","isPartOf":{"@id":"https:\/\/www.deeds.com\/articles\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.deeds.com\/articles\/inundated-the-national-flood-insurance-system\/#primaryimage"},"image":{"@id":"https:\/\/www.deeds.com\/articles\/inundated-the-national-flood-insurance-system\/#primaryimage"},"thumbnailUrl":"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2020\/11\/flood-insurance.jpg","datePublished":"2020-11-04T11:00:04+00:00","dateModified":"2024-04-26T03:20:28+00:00","description":"FEMA\u2019s system is being put to the test now, as rising numbers of us live with storms and floods. Can flood insurance keep us protected? Here\u2019s what you need to know.","breadcrumb":{"@id":"https:\/\/www.deeds.com\/articles\/inundated-the-national-flood-insurance-system\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.deeds.com\/articles\/inundated-the-national-flood-insurance-system\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.deeds.com\/articles\/inundated-the-national-flood-insurance-system\/#primaryimage","url":"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2020\/11\/flood-insurance.jpg","contentUrl":"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2020\/11\/flood-insurance.jpg","width":983,"height":653},{"@type":"BreadcrumbList","@id":"https:\/\/www.deeds.com\/articles\/inundated-the-national-flood-insurance-system\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.deeds.com\/articles\/"},{"@type":"ListItem","position":2,"name":"Inundated: The National Flood Insurance System"}]},{"@type":"WebSite","@id":"https:\/\/www.deeds.com\/articles\/#website","url":"https:\/\/www.deeds.com\/articles\/","name":"Deeds.com","description":"Real Estate Deeds Made Easy Since 1997","publisher":{"@id":"https:\/\/www.deeds.com\/articles\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.deeds.com\/articles\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.deeds.com\/articles\/#organization","name":"Deeds.com","url":"https:\/\/www.deeds.com\/articles\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.deeds.com\/articles\/#\/schema\/logo\/image\/","url":"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2018\/10\/deeds-logo-bw.png","contentUrl":"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2018\/10\/deeds-logo-bw.png","width":417,"height":208,"caption":"Deeds.com"},"image":{"@id":"https:\/\/www.deeds.com\/articles\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/deedsrealestate\/","https:\/\/x.com\/RealEstateDeeds","https:\/\/www.youtube.com\/channel\/UCWGNKXWKH9nluFfeIvG0OTQ"]},{"@type":"Person","@id":"https:\/\/www.deeds.com\/articles\/#\/schema\/person\/8e0eeca72de74094ddaa30fc54159b6b","name":"Deeds.com","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/ceb3eac3a742cc3487be04bdf8e23cf5e2804c1a8c7f64f206a3b18e850562b5?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/ceb3eac3a742cc3487be04bdf8e23cf5e2804c1a8c7f64f206a3b18e850562b5?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/ceb3eac3a742cc3487be04bdf8e23cf5e2804c1a8c7f64f206a3b18e850562b5?s=96&d=mm&r=g","caption":"Deeds.com"}}]}},"jetpack_featured_media_url":"","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/www.deeds.com\/articles\/wp-json\/wp\/v2\/posts\/1059","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.deeds.com\/articles\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.deeds.com\/articles\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.deeds.com\/articles\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.deeds.com\/articles\/wp-json\/wp\/v2\/comments?post=1059"}],"version-history":[{"count":0,"href":"https:\/\/www.deeds.com\/articles\/wp-json\/wp\/v2\/posts\/1059\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.deeds.com\/articles\/wp-json\/wp\/v2\/media?parent=1059"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.deeds.com\/articles\/wp-json\/wp\/v2\/categories?post=1059"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.deeds.com\/articles\/wp-json\/wp\/v2\/tags?post=1059"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}