The Tribune Democrat, Johnstown, PA

Editorials

November 26, 2013

Readers' Forum 11-26 | Flood insurance requirements illogical

JOHNSTOWN — We have owned our house for 12 years. In 2012, after 11 years of not needing it, we were told that we were required to purchase flood insurance.

This year, we were required to have an elevation certificate survey performed for $1,000 to reapply for the flood insurance. This has taken my flood insurance up to $3,000 a year from $700. The Biggert Water Reform Act of 2012 discontinued any discounts that you were able to receive.

I feel bad for the people that were affected by Hurricanes Sandy and Katrina, but I cannot afford to pay for the damage it caused. If my house was sold at current market value, the new owner would be required to pay a minimum of $6,000 a year for flood insurance. We are not talking about oceanfront property here.

How can the Federal Emergency Management Agency update flood maps and be the only firm to obtain flood insurance through? My flood zone did not change with the recent flood maps being updated, I am in the same flood zone that I was always in.

We were unaware of being in a flood zone when we purchased our house because flood insurance was not required. In the 12 years we’ve owned the house, there has not been any damage due to water.

I ask everyone affected by FEMA to start contacting Sen. Pat Toomey and Sen. Bob Casey so that they become aware of how much this is hurting families, local towns and property value.

Shelly Varner

Sidman

Falling leaves afford ultimate luxury

That enormous yellow glow rising early on the horizon peeks gently through the evergreens in this autumn time of year.

This brings in a brand new day, as our trees surrender their offspring in a magnificent array of color floating gracefully to the ground.

Ah, but the ultimate luxury: The unavailed opportunity to rake and bag these incessant creatures at the crest of a morning’s sunrise.

Scott G. Hoover

Southmont Borough

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