Introduction:
- Welcome back to The Flood Insurance Guru Podcast, hosted by Chris Greene, owner of The Flood Insurance Guru and The Flood Professor.
- This podcast is dedicated to bringing flood education to homeowners, real estate investors, and real estate professionals.
Episode Overview:
- Topic: Climate Change Isn’t the Problem
- Chris discusses how human behavior, not just climate change, plays a crucial role in flood risks and disaster recovery.
Key Points:
- Climate Change vs. Human Behavior:
- Climate change is a significant issue, but it’s been happening for centuries.
- Rapid climate changes are causing more frequent and severe flooding events.
- Major floods in recent years: Houston, Dallas, St. Louis, Birmingham, and Waverly.
- Human Behavior and Disaster Response:
- Rebuilding in the same areas post-disaster without changes.
- Importance of adhering to local floodplain management guidelines.
- The role of the National Flood Insurance Program (NFIP) and its guidelines.
- Flood Insurance and Risk Awareness:
- Many homeowners only purchase flood insurance when required by banks.
- There is a need to understand flood risk scores and not solely rely on flood zones.
- It is important to know the specific risks related to properties, such as proximity to creeks, rainfall, or basement issues.
- Changing Beliefs and Behaviors:
- Changing beliefs about flood risk and financial protection.
- Understanding flood zones and maps can be outdated and not fully indicative of actual risk.
- Using tools and resources to make informed decisions about property investments in flood-prone areas.
- The Consequences of Inaction:
- The financial and emotional toll of flood recovery.
- There is a potential for businesses to never reopen after a flood due to inadequate insurance.
- There is limited assistance from the government when disasters are not declared officially.
Call to Action:
- Resources: Download guides on flood zones and understanding flood insurance from the podcast description.
- Engagement: Visit the YouTube channel, Flood Insurance Guru, for additional educational videos.
- Blog: Check out the podcast blog on the website, floodinsuranceguru.com, for deeper insights.
Guide to flood zones
Check Your Flood Risk
Get a Flood Insurance Quote
Website
Contact Information:
Remember, knowledge is power, especially when it comes to protecting and maximizing your real estate investments.