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 - Hydraulics - Cylinder Anatomy - by Curtis von Fange. Let’s make one more addition to our series on hydraulics. I’ve noticed a few questions in the comment section that could pertain to hydraulic cylinders so I thought we could take a short look at this real workhorse of the circuit. Cylinders are the reason for the hydraulic circuit. They take the fluid power delivered from the pump and magically change it into mechanical power. There are many types of cylinders that one might run across on a farm scenario. Each one could take a chapter in
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