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Name:	lucky67 -	Reply
Subject:	flood insurance
Date:	7/30/2011 11:52:29 AM

home owners beware!! FEMA issued new revided flood maps July 18, which put more LM properties in a flood zone !! if you have a mortgage, you will probably be receiving a letter soon; just another example of Government intervention in our lives

Name:	Osms -	Reply
Subject:	flood insurance
Date:	7/30/2011 1:08:04 PM

Bamaalum is correct. Tallapoosa County joined Elmore and Coosa Counties on July 18, with the issuance of new flood maps that may affect those who have mortgages--particularly Fanny Mae or Freddic Mac compliant mortgages with national banks. The HOBOs have tried to keep owners up to date on this situation and you have an alternative to having to buy flood insurance. Rather than take up a lot of space here, if you get a notice and would like information email me and I'll try to help. You can go to our website at link below and obtain FEMA flood information as well as forms to gain an exemption. On the left side of the website, click on "Flood Insurance Info".

URL: Lake Martin HOBOs website

Name:	Mack -	Reply
Subject:	flood insurance
Date:	7/30/2011 5:47:46 PM

Very interesting. Obviously those mystical actuarial/statistical charts used by the Insurance industry to price out life insurance, teenage car insurance, fire insurance for a specific area, etc, etc,,,, those charts do not apply in this case.
I mean really. When is the last time that LM property anywhere flooded? Or the water level even went above 490.5????? Smells stinky to me. Did the county or state Insurance Board even take a look at this?

Name:	Osms -	Reply
Subject:	flood insurance
Date:	7/30/2011 6:41:11 PM

If you can prove your lowest finished level is above 492' (elevation certificate) you should be able to be exempted from flood ins. This is a nationwide fed effort to enforce laws already on the books, but not enforced by FEMA. They've got to pay for Katrina!

Name:	Mack -	Reply
Subject:	flood insurance
Date:	7/30/2011 7:09:38 PM

I don't have a mortgage, but it still hacks me off!! The burden of proof is put on the owner. The cost to prove an exemption is placed on the owner. Most of the lots in my area would be exempt, if not all. But, the owners are still obligated to prove it? At their expense?? Thank you, local, state and federal governments. For all your help.
Sorry, sounds like an Off Topic rant. But, it still stinks.

Name:	Osms -	Reply
Subject:	flood insurance
Date:	7/30/2011 8:11:46 PM

I agree. My guess is practically all homes on the lake should be exempt. We fought it at many levels for six months; we did manage to get it put off for over a year while FEMA developed decent maps. We called Rep. Mike Rogers for help, only to find out he had to prove his house in Anniston Was above flood zone-if he couldn't help himself, he couldn't help us.

Name:	lucky67 -	Reply
Subject:	flood insurance
Date:	7/31/2011 3:42:35 PM

the lowest cost i can find to get a survey to show elevation & structure loacation is $400.00; what a rip off

Name:	realfast64 -	Reply
Subject:	flood insurance
Date:	7/31/2011 5:07:48 PM

I got a flood map last week. Myself and two engineers looked at the map for pineywoods area and have found it to be wrong. We called FEMA and found no help but to call our county office only to find that the one called the community map person had not even been to school on the flood program. What we found was the 100 yr flood line to be outside(higher elev.) 500yr. flood boundry (lower elevation). Fema also told us that The X area was the area between the 100 and 500 yr flood boundies. If that is the case amost everyone will have to buy flood ins. We can all thank JoePaul Boone and our county commisioners for this added expense to our lifes. And once a community starts participating in the flood program that community can not stop participating, so it is with us till we leave this world. Each time a property is sold the new owner will have homeowner ins and flood ins. I will also state there is no arguing with fema, I know of more than one instance where the map was/is wrong and FEMA will not correct and the home owner pays 2400.00 dollars a year for flood ins.

Name:	Osms -	Reply
Subject:	realfast --- you have mail
Date:	7/31/2011 8:00:14 PM

Name:	Maverick -	Reply
Subject:	flood insurance
Date:	8/1/2011 1:31:34 PM

Just received my flood insurance notification. What a scam.

Name:	PineNeedle -	Reply
Subject:	flood insurance
Date:	8/1/2011 8:49:45 PM

We live in Longleaf -- new construction purchased a year ago -- at which time our structure was not in the flood zone. We received a notice from Bank of America saying we needed to provide insurance. Any helpful information would be appreciated.

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