this post was submitted on 28 Sep 2024
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Last I checked, the food insurance was ridiculously expensive if you actually wanted to cover the full rebuild cost of your home. It wasn't financially wise to get the insurance.
On top of that, when so many people get flooded in an event like this, everyone who does restoration work is able to raise their prices due to supply/demand. There's no winning.
NFIP insurance is pretty limited, I think $250k structure and $100k contents. It also doesn't cover things like additional living expenses, which would include a hotel while you're displaced. It's also often your only choice, though. It's something that every home owner needs to consider for themselves based on the flood risk of their area.