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[–] River_Otter 0 points 1 point (+1|-0) ago 

It is a wealth redistribution scheme.

[–] [deleted] ago 

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[–] River_Otter 0 points 1 point (+1|-0) ago 

Yes. It ranges in price, based upon value of your home and elevation, including if your house is raised or not. It can be several thousands of dollars per year or several hundred, depending on these factors. It is required in order to get a mortgage in flood-prone areas.