Flood insurance?

[indysteel]

read this one

Thanks, I did. To answer the points made in that post:

I do appreciate that my homeowner's insurance will not cover a flood. I've long known and understood that since first becoming a homeowner in 2002.

If my homeowner's insurer is requiring a rider for high wind or hail, I am unaware of it. We certainly haven't declined a request to carry such a rider.

As for the connection between flood insurance and FHA and VA loans, I'm merely trying to intepret FEMA's own website to the extent that it says that flood insurance is required for federally insured lenders. It was not clear from the website whether this meant that it was required on any loan issued by federally insured lender or whether it merely applied to federally backed loans. FEMA's own website offers conflicting statements in this regard. I was merely trying to understand why we were not required to get flood insurance when we took out or mortgage given that FEMA states that we live in a high risk area. It seemed to me that one of two things could explain that: either our loan was not subject to forced flood insurance or our property was not subject to the requirement.

I welcome you to look at FEMA's Floodsmart website. Perhaps youi'll better appreciate that they make all of this clear as mud. Maybe it is readily understandable, and I'm just stupid.

But I doubt it.