I'm in Mich. And I should have mentioned it is a FEMA flood zone and I'm in it on the maps. And about ten years into my mortgage I got a home equity line of credit which required flood insurance. When I went to get it, I asked my agent why I didn't need it on my original mortgage. He said someone at the bank screwed up and I should have had it all along. He told me to keep my mouth shut and hope they didn't notice and pay house off. Which I did. The down side being if I got flooded i would not have been insured, of course. I am afraid of the gov't when only a mere 5 miles away they made someone fill their basement in. When another neighbor built across the section about ten years ago, they took him out in his field and said "see the land? (which is the same grade as the road) "Thats your basement floor. You have to build UP from here." There are mandatory rules about how and how high. Anther neighbor put in a modular. His crawl space had to have 12 inch tile drains through the walls to allow floods in and out and his yard is basically a dry "moat" to direct future floods. So, they do have considerable power to tell you how and where. After all this is FEMA, they're here to help:)
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Today's Featured Article - Usin Your Implements: Bucket Loader - by Curtis Von Fange. Introduction: Dad was raised during the depression years of the thirties. As a kid he worked part time on a farm in Kansas doing many of the manual chores. Some of the more successful farmers of that day had a new time saving device called a tractor. It increased the farm productivity and, in general, made life easier because more work could be done with this 'mechanical beast'. My dad dreamed that some day he would have his own tractor with every implement he could get. When he rea
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