Flood Insurance…Do You Need It?

Many areas in Miami are in flood zones and, if you are purchasing a property with a mortgage, you will be required to carry flood insurance.  However, there are many areas in Miami that are not considered flood zones.  I received a little flyer from FEMA letting me know that although I am not in a flood zone, I am less than a mile away from  a high-risk flood area. According to FEMA, this means that I have at least a 1-in4 chance of flooding during my 30-year mortgage.

Considering how cheap flood insurance is, as low as $129 per year if you are not in a flood zone, I think it is worth getting.  Especially in storm-prone South Florida.

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