Psychologists tell us that our mind cannot hold two contrary thoughts in our mind and believe that both are true. But, unfortunately, many homeowners in our area must do just that very thing. Here it goes — a person knows they cannot afford flood insurance for their home, and they also know that there is
READ MOREAfter several severe storms that depleted the federal insurance programs, a law known as the Biggert-Waters Flood Insurance Reform Act of 2012 was enacted. The idea was to require flood insurance premiums to actually reflect the real risk of flooding. At the time of the enactment, the National Flood Insurance Program was $24 billion in
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