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	Name:	Osms -
	Subject:	One more tidbit...
	Date:	5/2/2009 9:02:47 AM

While I can't speak to the particulars of your friend's case, his property may front on a creek or it may be located in a flood prone area away from the lake. Low areas away from the lake are more susceptible to flooding during heavy rains than homes fronting on the lake.

Suggest two actions for your friend. 1. Buy FEMA flood insurance, not commercial. He can buy FEMA ins from State Farm, Allstate, or most other agents--don't let him get ripped off.

2. He must have an elevation survey done to get FEMA ins and he can then file for an exemption and if eligible, he can get his premium back from FEMA, but he won't be able to get a refund if the closing agent sells him commercial ins.

The county probably joined the FEMA NFIP after the floods at Wadley in 2003. Don't be against flood insurance, it is needed in many cases. It's just not needed for most folks on the Lake Martin. By joining the FEMA NFIP, the county made low cost FEMA insurance available to its citizens. Education about the program has been lacking.