Flood Insurance

There is a lot of confusion surrounding the topic of flood insurance.  Charleston is part of the Lowcountry and ALL homes in the Charleston area are in a flood zone.  Charleston and Berkeley counties are participating communities in the National Flood Insurance Program. Therefore, every home is in a flood zone.There is no such thing as buying a home in Charleston that is "not in a flood zone".  Lenders may not require flood insurance on homes in an X flood zone, but the home still sits in a flood plain (the X zone accounts for 25% of all flood claims).  The key question when buying a home is -- which flood zone is the home in and how does...