FEMA Urges St. Louisans To Buy Flood Insurance

[Sherman A1]

Federal officials are encouraging St. Louis residents to enroll in flood insurance, in anticipation of a potentially severe flood season.

Most homeowners and renters-insurance policies don’t cover flooding, but the Federal Emergency Management Agency offers flood insurance to residents in thousands of U.S. cities, including St. Louis. The program — which dates back to the late 1960s — sets insurance rates based on building location, age and other factors.

Major flood events can occur with little warning, said David Maurstad, chief executive of the FEMA National Flood Insurance Program.

“Where it can rain, it can flood,” he said.

https://news.stlpublicradio.org/post/fema-urges-st-louisans-buy-flood-insurance

[SWBTATTReg]

1. Good idea, since this year, we got more rain/moisture than in over 100 years or so, a record...

for a winter (record or 2nd most), this was just announced several days or so ago. Also, they announced that the Meramec River is already at flood stage. It's coming and we haven't even gotten to Spring yet.

[Sherman A1]

3. Yes, being prepared is a good idea

I am happy to be well North of the Meramec.

[Moostache]

2. The Meramec is already getting really high in just the last week...

It is shaping up to be a rough spring around here for sure...

[exboyfil]

4. That isn't how insurance is supposed to work

You shouldn't be able to buy insurance once a threat is already present. Maybe if it is risk adjusted so that the total premiums cover the damage for this particular flood.

[Kurt V.]

5. the backfilling of residential areas, which MSD doesn't address much

needs oversight.

[denverbill]

6. I agree. Snowpack in the Rockies is above normal right now.

If the gov is actually advising it, do it. Even if there is no flooding, it's a lot more likely this year. If you're ever going to buy flood insurance, do it this year.

[romainetarra]

7. Flood insurance

If they're advising them to buy it for the reason that they won't have to pay out as much if catastrophe strikes?