I live in the Northern Houston (Texas) suburbs. During the last Hurricane Harvey, our neighborhood survived 3 days of torrential downpour, without flooding, until the last day when in their wisdom, the City/County decided to open the flood gates of Lake Conroe, a water supply for Houston for fear that the dam might fail. This extra release of water put our community over the edge, and 30% of the homes here, ended up with water in them, except a few like my neighborhood who are on the far and high side away from the river. So I could brag I have a flood proof house, at least from river flooding. This last last weekend, we had a rain event where thunderstorms stalled overhead and dumped 10” of rain in the course of a day and too my surprise, the neighborhood across a main road artery, only a half mile away, people ended up with water in their houses (400 houses) because (my impression) the large drainage culverts, used to ferry water out of the neighborhood and down to the lake were overwhelmed, overflowing their banks and into people’s yards and their houses, a couple inches up to one foot of water. That is a disaster, when you discover your home insurance does not cover this extensive damage, flooring, drywall, furniture, cabinets, etc. Again my house remained dry. Can I say my wife chose my house wisely or just dumb luck? When we were in the market, she did the looking and knew where the problematic neighborhoods were when it comes to flooding. Anyway, I was out of town visiting my Father, and after getting back, when we realized just how close flooding came to us, we decided to bite the bullet and yesterday, I applied for National Flood Insurance through my insurance company USAA. Here is the interesting part, it takes 1 month from the date of applying, for the insurance to take effect. This is so when a hurricane is coming, people can not quickly get insurance for a pending weather event. It’s $480 a year for $250k of coverage. Because it is Federal insurance, and reasonably priced, it might be like UHC for weather events.