44. not for us, we have a stream fed lake behind our home.
Edited on Wed Sep-23-09 06:39 AM by unapatriciated
We did carry a very expensive policy for the first two years. We received a notice last year that stated since we were not in a flood zone it was not necessary to carry flood insurance, yet they didn't offer a lower premium. Because of the lake our quotes started at 2,500 a year. The kicker is the lake didn't flood our home (it is on a higher level ) it was the sheer volume of rain that created a river in our front yard going down to the lake.
Thank you for your links but we are not considered low to moderate risks when it comes to premiums.
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