So it was a 100 year flood.
I don’t have flood insurance because my home is situated above the 100 year flood plain and also not in a gully or hillside.
I still maintain the insurance though. Fire especially.
I say put away $50k to clean up the mess and sell the lot.
Yes, I guess, and the actual year was 1916. I just looked it up. These “insurance boundaries” 100-year flood, 200-year flood, 500-year flood aren’t set in concrete. They are estimates. Also, population growth changes the runoff typography that probably in many cases renders those “boundaries” moot. These river flood plains in Appalachia are where most towns are built. They are going to flood at some point in their history no matter how many dams & watershed projects you build. A storm will come along some day that all that civil engineering can’t handle. That’s just reality.