Flood

Federal flood coverage stops at a fixed number. On anything worth more, the layer above it has to be built deliberately. Here is how.

Your town's floodplain management earns policyholders a discount. Here is how the program works and how to find out where your community stands.

When a map changes, owners who already had coverage are frequently treated better than owners who did not. Here is why continuity matters.

Zone letters mean specific things, and maps are sometimes wrong about a specific property. Here is how to read yours and how an amendment works.

You do not have to own the building to insure what is in it. Here is what renters and condo owners can buy, and what the association does not cover.

If damage crosses a threshold, you may be required to elevate or demolish. Here is the rule and the benefit that helps pay for it.

Coverage below grade is limited in a way that surprises nearly everyone. Here is exactly what is covered and what is not.

Federal flood pricing moved from zone-based to property-specific. Here is what that changed and when an elevation certificate is worth getting.

The waiting period is why this decision has to be made in May. Here is how it works and the narrow situations where it does not apply.

Building coverage and contents coverage are two separate purchases, and the exclusion list surprises people. Here is the whole picture.