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Should you get flood insurance if you don't live in a flood zone?

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Linda Broach's neighborhood has flooded twice since 1994. Source: Linda Broach Linda Broach's neighborhood has flooded twice since 1994. Source: Linda Broach
BIRMINGHAM, AL (WBRC) -

With the heavy rainfall this week, some homeowners may be reconsidering flood insurance.

FOX6 News spoke with a local agent to learn if homeowners should buy a flood policy, even if they don't live in a flood zone.

State Farm insurance agent Thomas Waters says the best thing to do is have your home and property inspected to know if you're at risk for flooding, even if you're told you don't need flood insurance.

Linda Broach shared pictures of her flooded neighborhood with us. She lives near Shades Creek and says it's overflowed twice since 1994. Both times her basement flooded and she had to replace a furnace.

"I had the insurance, thank heavens," she said.

Waters says in his 22 years as an agent, he rarely has had a claim from someone outside of a flood zone but he says it doesn't hurt to have a policy just in case.

"At least it gives you that security and peace of mind thats what insurance comes down to," he said.

Broach has made changes to her home since the second flood. Her furnace is now in the attic and her AC unit sits on a special platform. She says the city has done a good job keeping the creek clean so it won't overflow again.

She says her policy is about $2,000 a year but she "wouldn't do without it."

Another thing to monitor is flood maps. They are often updated and redrawn by FEMA. You can call your city or county building department to see if your home is in a flood zone.

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