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if you think flood ins is costly or even will be at market rates soon
just check out the cost of windstorm ins [aka hurricane ins]
it is over 2% here ie 4k for a 200k house on top of the flood rates and plus the basic fire/theft/lib
then watch the wind ins people fight the flood guys
as each will claim the other is to blame
and delay any payout after a cane hits
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