{"version":"1.0","type":"card","id":"f1a7ecd0-bbcd-46f2-ba2b-04948498418c","url":"https://stacklist.com/card/f1a7ecd0-bbcd-46f2-ba2b-04948498418c","title":"Flood Insurance Basics (FloodSmart / NFIP)","source_url":"https://www.floodsmart.gov/","note":"Standard homeowners policies don't cover flood damage, and NFIP policies have a 30-day waiting period, so coastal buyers near St. Augustine and the beaches should price this before closing, not after. Nearly a third of flood claims come from outside high-risk zones.","image":{"url":"https://ucarecdn.com/91e4dbf7-480c-44dc-9985-c5d88b07b56a/","alt":"Flood Insurance Basics (FloodSmart / NFIP)","width":6000,"height":4000},"stack":{"id":"652ea32d-c659-4b45-8244-761a2996cee5","title":"Beach Living Basics: Buying Near the Coast","url":"https://stacklist.com/c/home/stack/652ea32d-c659-4b45-8244-761a2996cee5"},"created_at":"2026-07-16T06:27:59.450Z","updated_at":null,"aco":{"summary":"Flood insurance basics from the National Flood Insurance Program (NFIP) explain how to understand flood risk, obtain coverage, prepare homes and documents, and file claims after flooding events. The guide emphasizes that standard homeowners insurance does not cover flood damage and that nearly one-third of NFIP claims originate from outside high-risk flood areas.","tags":["flood-insurance","nfip","homeowners-insurance","flood-risk","disaster-preparedness","insurance-claims","property-protection"],"key_entities":[{"name":"National Flood Insurance Program (NFIP)","type":"organization","confidence":0.99},{"name":"FloodSmart","type":"organization","confidence":0.9},{"name":"Flood Map Service Center","type":"technology","confidence":0.85},{"name":"flood insurance","type":"concept","confidence":0.99},{"name":"building coverage and contents coverage","type":"concept","confidence":0.8},{"name":"high-risk flood areas","type":"concept","confidence":0.85},{"name":"Flood Insurance Mitigation Tool","type":"technology","confidence":0.75}],"classification":"reference","language":"en","confidence":0.85,"provenance":{"model":"claude-opus-4-6","tool":"@stacklist/mcp-server@2.0.0","confidence":0.85,"timestamp":"2026-07-16T06:28:07.996Z"},"token_counts":{"approximate":1359,"cl100k":1061},"content_hash":"sha256:2a89c5aa139fb8c45fceb3ad3641814d4f5d915193c1a9b7e9a1414633202e41","acp_version":"0.2","body_available":true,"body_tokens":1359,"visibility":"public","agent_accessible":true,"status":"final"},"_links":{"self":"/api/public/card/f1a7ecd0-bbcd-46f2-ba2b-04948498418c.json","html":"https://stacklist.com/card/f1a7ecd0-bbcd-46f2-ba2b-04948498418c","md":"/api/public/card/f1a7ecd0-bbcd-46f2-ba2b-04948498418c.md","stack_json":"/api/public/stack/652ea32d-c659-4b45-8244-761a2996cee5.json"}}