George as of today you are correct. You have no mortgage you do not need any insurance of any kind. But what will happen tomorrow is anybody's guess. The problem is no one knows how to make it a fair system. Fema has said no one can build in a flood zone unless you build above the flood elevation. The elevation for my neighborhood is 22 feet. The house across the street from me is at about 20.5 feet but has never flooded. If a tornado blows it down tomorrow he will not be allowed to rebuild unless he raises his slab 1.5 feet.
Fema wants to get away from constantly paying to rebuild places that have flooded several times in the past. But requiring some one to relocate or pay full price for flood insurance is not realistic. The price is way to high. That is why congress is talking about sharing flood insurance cost with a bigger pool. In other words tornado insurance will go up to compensate for loses due to flood in other places. I really do not think this will work either but that is what is being discussed.
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Today's Featured Article - A Lifetime of David Brown - by Samuel Kennedy. I was born in 1950 and reared on my family�s 100 acre farm. It was a fairly typical Northern Ireland farm where the main enterprise was dairying but some pigs, poultry and sheep were also kept. Potatoes were grown for sale and oats were grown to be used for cattle and horse feeding. Up to about 1958 the dairy cows were fed hay with some turnips and after that grass silage was the main winter feed. That same year was the last in which flax was grown on the farm. Flax provided the fibre which w
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