Do I have to purchase flood insurance?

Purchasing flood insurance is an individual property owner’s decision unless the lending institution which holds, or will hold, the mortgage for the property requires flood insurance. Flood insurance will almost certainly be required by your lender if the buildings on your property are determined to be in the 100-year floodplain according to FEMA’s Flood Insurance Rate Maps. If you own your property outright and do not have flood insurance, you will be responsible for any flood-related damages which occur, as such damages are not typically covered by a homeowner’s insurance policy.

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1. What homeowner financial assistance is available?
2. The enforcement officer refuses to issue a permit for an addition on my home since it would violate the zoning ordinance. Can I get a variance or special exception so I can expand the building anyway?
3. I want to give ten feet of my lot to my neighbor. Must I submit a subdivision plan?
4. I am having a boundary dispute (disagreement about the location of a property line) with my neighbor. Can you resolve the dispute?
5. Can I keep animals on my property?
6. Do I have to purchase flood insurance?
7. Is my house in a flood plain?
8. What is the zoning of my property?
9. What municipality do I live in?
10. I have water running through my yard when it rains. Who do I contact for help?