I had flood insurance when I lived down by the river. In all the time I lived there, which was like ten years, I never got flooded out and had to use the flood insurance. A friend of mine lived on a nearby river and his house got flooded out frequently. He would simply tear out all of the carpeting and replace all of the furniture each time it happened. He spent an average of $14,000 each time it happened, but he always seemed to have enough money.
It’s hard for people who have never lived by a river to understand why people would want to move back there after everything they have accumulated in their life has been ruined. But each times it floods most of them move back there. When I first moved into my house, I noticed that all of the wall plugs were up by the ceiling.
When I had to change one because it wasn’t working, I realized why. There was bits of mud all around the inside of the plug cover. That showed how high the water had been. There was only a couple of times I had to leave my house because the water was too high. Once it came up to my front door and I had to wade through the water to get to my truck. The other time it hadn’t even rained for several days, but it had rained heavily up north and all that water ended up coming down the river.
I woke up the next morning in time to see a beer can float past my bedroom window. After that near miss with catastrophe, I started checking the water lever a couple of times a day and sleeping with a life jacket on because I don’t know how to swim.
I no longer live by the river. I moved out before the great flood of 1994. That flood completely wiped out my old house, all that’s left is the concrete slab that it used to sit on.
A recent bill in the Missouri legislature would require people who live in a flood plain to have federal flood insurance. Many people don’t realize that home owner’s insurance doesn’t cover damage from floods. And it’s cheap. Since the federal government subsidizes it, you can get quite a bit of coverage for not very much money.
According to the St. Louis Post Dispatch, the bill may delay Metro East flood insurance. . According to the Post, ” A Metro East official is hailing a “legislative breakthrough” that he said could postpone mandatory flood insurance in the Mississippi River flood plain for five years.”
“Les Sterman, director of the Southwestern Illinois Flood Prevention District, said Friday that legislation sponsored by U.S. Rep. Jerry Costello, D-Belleville, has been folded into a new flood insurance reform bill sponsored by U.S. Rep. Maxine Waters, D-Calif. Among its provisions is a five-year delay of mandatory insurance in newly designated flood areas.”
During that waiting period I urge anyone who lives in a flood plain to get the insurance on their own. It’s well worth the money.