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Saturday, April 19, 2008

Houston Flood Insurance Information

The Houston area has an especially high risk for flood damage. The city is in an area that is at risk for hurricanes that can bring storm surges and very high levels of rainfall. The elevation of the city is close to sea level. The ground is mainly composed of clay that doesnt absorb water well. There are rivers, streams, and drainage channels that pass through Houston on the way to the gulf. There are bayous for storm water that can overflow with heavy rain and flood nearby areas. Heavy construction in the city often can result in flood problems for surrounding areas. Changing weather patterns from global warming and other factors may result in more intense weather events in the future.

You can visit the fema.gov website to view maps of the Houston areas flood zones. You will find that a large percentage of the city area has an elevated risk of flooding. Areas that have less risk are designated on the flood map as being in B, C, D, or X zones. It is important to remember that residents in low risk zones can suffer flood damage. If fact about 30% of all flood damages claims are from areas considered as lower risk.

We you are considering buying or leasing a residence it is important to consider the risk of flood. Ask your realtor or an insurance agent to tell you the flood zone for the property you are considering. If possible select a location in the B, C, D, or X zone. When you buy a property in a higher risk flood area you should consider the higher cost of flood insurance in your decision.

Flood insurance in most areas is inexpensive. Here is a chart of the current cost for homes that qualify for a preferred rate:

Home Coverage $20,000 Property Coverage $8,000 = $112 per year

Home Coverage $30,000 Property Coverage $12,000 = $138 per year

Home Coverage $50,000 Property Coverage $20,000 = $180 per year

Home Coverage $100,000 Property Coverage $40,000 = $233 per year

Home Coverage $200,000 Property Coverage $80,000 = $296 per year

Home Coverage $250,000 Property Coverage $100,000 = $317 per year

Contents only coverage is also available. texas residents can get more information at my Houston Flood Insurance website.

Lamb Insurance Agency, (Farmers Insurance) Auto, Home, Life, and Business Insurance for Texas - http://farmersagent.com/glamb/ or http://www.houston-renters-insurance.com

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How About An Affordable Family Vacation to Mexico This Summer

A family vacation to Mexico might just be the ideal family getaway. You and spouse can unwind from a hard year of while your children go on the adventure of a lifetime. With hundreds of exciting attractions, splendid beaches and extensive amenities, Mexico is a great spot too vacation with the kids. A large number of resorts in Mexico have tons of hot deals on family vacations. Here are a few vacation packagers that have a family-friendly ambiance.

Barcelo Resorts. These resorts in Riviera Maya, Mexico, include a number of four all-inclusive hotels that are ideal for a family vacation in Mexico. Situated in Barcelo Maya Complex, the hotels all share a mile of beach. The guests staying here can enjoy all of the extensive facilities offered by all four of the resorts.

Palace Resorts. These two all-inclusive resorts are also situated in Riviera Maya, and are a great choice for a family vacation to Mexico. They offer special deals for families at certain times of the year. If you stay for at least three nights, you will get unlimited tours to a few of the beautiful Mayan ruins, as well as a vouchers for spa, golf, and car rental.

Superclubs Breezes Resort. This splendid resort is part of the famous Costa Do Sauipe complex, which owns five miles of beach. Come here with your kids and they will love the diverse entertaining programs, which include trapeze, circus, horse-riding, surfing, windsurfing, golf and lake recreation. At certain times during the year they offer a 40% discount on their vacations packages.

Aeromexico. This Mexican airline is the number one choice for a family vacation to Mexico, they offer multiple vacation packages to various destinations in Mexico. They also have their own website, where you can check for special deals.

United Vacations. Another popular choice for a family vacation to Mexico, United Vacations offer several attractive promotions all throughout the year and includes family-friendly hotels in a variety different locations.

Mexico is a beautiful place that is full of excitement and adventure for both the kids and their parents. Many resorts have extensive programs to keep the kids entertained throughout your vacation. This allows you to enjoy a quiet stroll on the beach, or spend a romantic evening with your spouse at one of the many fine restaurants in Mexico. Many of the resorts in Mexico also offer infant care services.

If you would like to learn about some other family vacation ideas, or you would just like to read some more articles about helpful family vacation tips then you need to visit: http://www.YourPerfectFamilyVacation.com

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