For flooding, of course. The town sits between two large lakes. Of all those who should have flood insurance, there are only 33 policies. They talked with a fellow who said he didn't have it because he was not forced to have it. A little under $1000 per year.
We can preach until we are blue in the face, but, the almighty dollar wins out.
Some are ill advised in the potential threat of living in an area prone for flooding and can't afford a grand to through at flood insurance, on top of their homeowners insurance and mortgage.
Most of us seasoned and licensed individuals are experienced enough to assess the risk and have the fortunate ability to be able to fork out a grand a year for added insurance, which, BTW pays out a maximum of 250K per claim.
When hurricane Sandy made landfall in NJ, there was massive devastation in coastal areas and it was alarming to see how many people had to walk away from their homes in flooded areas and lose everything if they were insured. All of the homes that could be salvaged were forced to be raised 10' on piles to continue to be insured. On the survey end, I was very busy for years working in individual reconstruction projects and piling layouts.
Born on a hilltop
Have lived on hilltops most of my life.
Will be buried on a hilltop.
No need for flood insurance.
However, I do own several lots in town that are on the edge of the flood zone. No structures on them. Will add at least a foot of extra base if or when I am the one erecting houses.