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Flood Insurance During an El Nino Year

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After years of drought, many of us are pleased to hear that it is supposed to be a wet winter; however, some of us get a little nervous when we hear meteorologists predicting an especially strong El Nino year, because that can mean flooding. If you buy a home in a federally designated flood zone … Read more

Is Flood Insurance Worth It? How About Earthquake Insurance?

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If you buy a home in a federally designated flood zone with a federally insured loan (and most loans fall into this category), you are required to purchase flood insurance. Sometimes, property that falls within a designated zone on a map isn’t all that likely to flood, yet the insurance is still required—with one exception: … Read more