You aren’t moving- but where are you going if your home burns down and how long are you prepared to stay there while you figure out the logistics of rebuilding? I don’t live in a fire zone- I live adjacent to (but not actually in) a hurricane/flood zone. But every “this can only happen every 100 years flood” (which seems to be every few years now) reaffirms that we were right not to drop the voluntary part of the flood insurance. Neighbors from a few blocks away (inside the flood zone) got priced out of rebuilding.
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