The two home owners I talked about where in a catch 22 situation. They could NOT buy flood insurance because their homes where not in a flood plain.
I understand the issue. My brother helped with the clean up of Katrina. I visited him at the city of " Bay of St. Louis". The town/city was just gone for about a 1/2 mile from the water. Everything took down to the foundations. He was staying miles north at Kiln and they had 3-4 feet of storm surge water there. I could under stand the high cost of insurance on an ocean front property but how far inland are you going to go in the gulf states????
There is no easy answer. I do not see leaving the coasts and river valleys, completely nationwide. That is not practical either.
My wife has family that live right along the Ohio river. There house has been flooded. Once, 1937. Since the dams where built in the 1950s-60s there has not even been water even close to the house but it does not set five hundred feet from the river but on a high bank. The house shows being in a flood plain but has not flooded in 79 years. The cost of the insurance is the same as another family home down river that has flooded multiple times since 1937. So there seems to be not much rhyme or reason to the cost of coverage.
I am afraid the flood insurance issue will have to be a government issue. As any single or even multiple companies could not stand a disaster like Katrina. Crop insurance falls into the same area. If we would have a wide spread drought like 1988, the claims would swamp the private companies.
There are some things that do need to be handled at the national/Federal level. These are some of them. If they would stop trying to do the things that can be handled locally then there would be funds and time for the things that need national attention.
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Today's Featured Article - Oil Bath Air Filters - by Chris Pratt. Some of us grew up thinking that an air filter was a paper thing that allowed air to pass while trapping dirt particles of a particles of a certain size. What a surprise to open up your first old tractor's air filter case and find a can that appears to be filled with the scrap metal swept from around a machine shop metal lathe. To top that off, you have a cup with oil in it ("why would you want to lubricate your carburetor?"). On closer examination (and some reading in a AC D-14 service manual), I found out that this is a pretty ingenious method of cleaning the air in the tractor's intake tract.
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