Article: Flood insurance might be worth it: If you can hear, see or smell water, you probably need protection, FEMA says.

Byline: Kim O'brien Root

Jun. 17--The bad news?

If you buy flood insurance today and a hurricane hits in the next month, you'd be out of luck if a storm surge - think Hurricane Isabel - brought water into your home and left everything a sopping mess.

The good news?

It's never a bad idea to consider flood insurance, especially in the Hampton Roads area - even if you're not in a floodplain.

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