As we continue to see graphic pictures of more flooding and the aftermath of receding water, let's take a long, hard look at our own preparation plans. We all have one, right? Many residents of Cedar Rapids were located far enough from the river that they were not in a designated flood zone, and consequently did not have flood insurance. The most crucial point is EVERYONE LIVES IN A FLOOD ZONE. If you think you don't, you just haven't been flooded yet. The chief reason for changing flood patterns in urban areas is development - not just houses, but shopping centers and malls with huge parking lots and paved streets.There is just simply less ground to absorb water and much more run-off. Compared to the hefty price you pay for homeowner's insurance, flood insurance is only a small percentage. In addition, your National Flood Insurance Policy will pay you (up to $1,000) for costs you incur to protect your home from flood damage including sandbags , Bob's Bagger, plastic sheeting, moving furnishings to safety (higher ground), etc. On your policy, look for Coverage C. - Other Coverages - 2. Loss Avoidance Measures. Even if you do already have flood insurance, the last thing you want to do is live through a flood. Some things can be replaced, but many things cannot, and the emotional toll lingers for years.