About 9% of adults in San Diego County are signed up for AlertSanDiego, the county’s emergency alert system, according to county figures reported by the San Diego Union-Tribune in early November. That would be a low number in any year. It matters more this winter, with a very strong El Niño expected to bring heavy…
A claim we won’t forget One of our customers listed her home’s foundation as a concrete slab. She wasn’t guessing: that’s what her home appraisal said, and it may well have been fine for an appraisal. It wasn’t right for flood insurance. Her home was actually elevated, with its ground level below the main living…
Your flood zone determines whether your lender will require flood insurance and helps set your rate. You can:
Risk Rating 2.0 is the pricing system the National Flood Insurance Program has used since October 2021. It replaced a scheme that priced your home mainly by the flood zone on a map with one that prices the individual building — how far it sits from water, how high its lowest floor is, what it…
Hiscox FloodPlus is a private flood insurance product written through Lloyd’s of London syndicates and placed by appointed agents rather than sold direct. It is one of the programs we quote against the NFIP, and on the right home it wins for a specific, structural reason: it is not bound by the federal program’s rules….
Why the lender’s minimum is the wrong number to insure to, how building and contents limits get set, and the two coverages most often left off a flood policy.
What the mortgage clause on a flood policy does, why an incorrect loan number stalls a closing, and how to fix a lender rejection quickly.
What carrier financial strength ratings actually measure, why Lloyd’s syndicates look unfamiliar on a quote, and what to check before accepting a private flood policy.
A short explainer on how private flood insurance and the NFIP differ in practice for California homeowners, and the cases where the federal program is still the better choice.
NOAA has an El Niño Advisory in effect, and now gives an 83% chance that October–December beats every El Niño on record since 1950. What it reliably changes about California flood risk — and what it does not.
