That doesn't sound that ridiculous - that's an expected value of total loss every 100 or 200 years. If you live on a known a flood plain, I also don't think the

That doesn't sound that ridiculous - that's an expected value of total loss every 100 or 200 years. If you live on a known a flood plain, I also don't think there should be any expectation of less than a very high premium, unless your house is built on stilts. What we probably need is tools that make the total cost of ownership more transparent, though.