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How to Get Home Insurance When Buying a House in a High-Risk Flood Zone

Buying a home in a high-risk flood zone can feel scary, but the right insurance can help you stay protected and confident. Understanding your choices makes a big difference. Flood insurance may seem confusing, but it doesn’t have to be. With the right steps, you can secure solid coverage fast.

Understanding Flood-Zone Home Insurance Basics

Buying a house in a high-risk flood zone requires understanding the basics of flood-zone home insurance. Many homeowners mistakenly believe their standard home insurance covers floods, but it doesn’t. Knowing the rules and requirements can save you both stress and money; essential when considering home insurance Ontario.

What “High-Risk Flood Zone” Really Means

A high-risk flood zone is an area that has a greater chance of flooding due to rivers, lakes, or heavy rainfall. These areas are often mapped by FEMA, and homes in these zones usually require special insurance. Living here doesn’t mean disaster is guaranteed, but it does mean preparation is key.

Why Standard Home Insurance Won’t Cover Floods

Most standard home insurance policies cover fire, theft, or storm damage—but not floods. If a flood damages your home, your regular insurance likely won’t pay. This is why flood insurance is separate and essential if you’re buying in a risky area.

Types of Flood Insurance Available

There are mainly two types of flood insurance. The first is the National Flood Insurance Program (NFIP), a government-backed plan that many homeowners rely on. The second comes from private insurance companies, which sometimes offer more flexible coverage or higher limits. Each has its pros and cons, so comparing options is important.

What Affects Your Premium

Your flood insurance premium depends on several factors. These include your home’s location, elevation, building materials, and past flood history. Homes on stilts or with flood-resistant features often pay less. Knowing these factors can help you take steps to lower costs while staying protected.

Steps to Get Home Insurance in a High-Risk Flood Zone

Buying a home in a high-risk flood zone means knowing the right steps to get home insurance. Flood insurance is different from regular coverage, so following the proper process can save you money and keep your home safe.

Check Your Home’s Flood Zone

The first step is to find out exactly where your home sits. FEMA maps show flood zones, and knowing your zone helps determine what kind of insurance you need. Some areas are riskier than others, and your coverage requirements will change based on the zone.

Compare Government and Private Insurers

Once you know your flood risk, look at your insurance options. The National Flood Insurance Program (NFIP) is a government-backed plan that many homeowners choose. Private insurers may offer higher coverage limits or additional perks. Comparing both ensures you get the best fit for your home and budget.

Get an Elevation Certificate

An elevation certificate measures how high your home sits above the base flood level. This document helps insurers calculate your premium accurately. Homes built higher than the flood level often qualify for lower rates, making this a crucial step.

Improve Your Home’s Flood Safety

Simple improvements can lower your risk and sometimes reduce premiums. Raising utilities, installing flood vents, and improving drainage are small changes that make a big difference. Insurance companies reward safer homes with better rates.

Finalize Your Policy

After researching, comparing, and making safety upgrades, it’s time to choose your policy. Make sure it covers your home, belongings, and any additional structures. Double-check limits, deductibles, and exclusions so there are no surprises if flooding occurs.

How to Lower Flood Insurance Costs

If you’re buying a home in a high-risk flood zone, knowing how to lower flood insurance costs is just as important as getting coverage. Flood insurance can be expensive, but there are practical ways to save money while keeping your home protected.

Make Simple Home Improvements

Small changes can make a big difference in your premium. Raising electrical systems, moving appliances above flood level, and sealing foundation cracks can reduce risk. Insurance companies reward homes that are better protected against water damage.

Add Flood-Resistant Features

Installing flood vents, sump pumps, or backflow valves helps prevent flood damage. These improvements not only protect your home but can also lower your insurance rates because your property is less likely to need expensive repairs.

Check Your Home’s Elevation

Homes built higher than the base flood level often qualify for lower premiums. Getting an elevation certificate shows insurers your home’s position, which can save you money. Even a small difference in height can make a noticeable impact.

Bundle Policies

If you already have home or auto insurance, see if your provider offers discounts for bundling flood insurance. Many companies provide savings when multiple policies are held together, giving you better coverage for less cost.

Shop Around and Ask Questions

Insurance costs vary by provider. Compare multiple quotes, ask about discounts, and check for any local programs that might help. Annual reviews of your policy can also help you catch better rates as circumstances change.

What to Know Before Buying a Home in a Flood Zone

Buying a home in a high-risk flood zone can be smart if you plan carefully. Knowing what to expect before you sign the papers helps you avoid surprises and protect your investment.

Review Past Flood History

Check if the property has a history of flooding. Past events don’t guarantee future floods, but they give clues about risk. You can ask sellers, neighbors, or local authorities for records to make an informed decision.

Understand Lender Requirements

If you’re using a mortgage, your lender may require flood insurance. Knowing their rules ahead of time avoids last-minute stress. Sometimes lenders require higher coverage in certain zones, so understanding this early helps you budget properly.

Look at Local Flood-Control Efforts

Communities often have levees, drainage systems, or flood warning programs. Researching these efforts gives you an idea of how protected the area is. A well-prepared community can lower risk and sometimes even reduce insurance costs.

Ask Sellers About Repairs and Flood Records

Sellers should provide records of any past flood damage or repairs. This information is important for insurance and can influence your decision. Homes with proper documentation are easier to insure and less likely to have hidden problems.

Plan Long-Term Safety

Flood zones carry ongoing risk, so plan for the future. Consider home improvements, emergency kits, evacuation routes, and how coverage may change over time. Being proactive keeps your family safe and your property secure.

Understanding these key points before buying a home in a flood zone helps you make smarter decisions. With research, preparation, and the right insurance, you can enjoy your new home with confidence—even in areas prone to flooding.

Conclusion 

Getting home insurance in a high-risk flood zone is possible when you know what to look for. Compare plans, upgrade safety, and ask smart questions. With the right coverage, you can protect your home, your budget, and your peace of mind; no matter how high the water rises.

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Digital entertainment options continue expanding for the local community

For decades, the rhythm of life in Winnipeg has been dictated by the seasons. When the deep freeze sets in and the sidewalks become treacherous with ice, the natural tendency for many residents—especially the older generation—has been to retreat indoors. In the past, this seasonal hibernation often came at the cost of social connection, limiting interactions to telephone calls or the occasional brave venture out for essential errands. 

However, the landscape of leisure and community engagement has undergone a radical transformation in recent years, driven by the rapid adoption of digital tools.

Virtual gatherings replace traditional community center meetups

The transition from physical meeting spaces to digital platforms has been one of the most significant changes in local community life. Where weekly schedules once revolved around driving to a community center for coffee and conversation, many seniors now log in from the comfort of their favorite armchairs. 

This shift has democratized access to socialization, particularly for those with mobility issues or those who no longer drive. Programs that were once limited by the physical capacity of a room or the ability of attendees to travel are now accessible to anyone with an internet connection.

Established organizations have pivoted to meet this digital demand with impressive results. The Jewish Federation’s digital outreach has seen substantial engagement, with their “Federation Flash” e-publications exceeding industry standards for open rates. This indicates a community that is hungry for information and connection, regardless of the medium.  

Online gaming provides accessible leisure for homebound adults

While communication and culture are vital, the need for pure recreation and mental stimulation cannot be overlooked. Long winter evenings require accessible forms of entertainment that keep the mind active and engaged. 

For many older adults, the digital realm has replaced the physical card table or the printed crossword puzzle. Tablets and computers now host a vast array of brain-training apps, digital jigsaw puzzles, and strategy games that offer both solitary and social play options.

The variety of available digital diversions is vast, catering to every level of technical proficiency and interest. Some residents prefer the quiet concentration of Sudoku apps or word searches that help maintain cognitive sharpness. Others gravitate towards more dynamic experiences. For those seeking a bit of thrill from the comfort of home, exploring regulated entertainment options like Canadian real money slots has become another facet of the digital leisure mix. These platforms offer a modern twist on traditional pastimes, accessible without the need to travel to a physical venue.

However, the primary driver for most digital gaming adoption remains cognitive health and stress relief. Strategy games that require planning and memory are particularly popular, often recommended as a way to keep neural pathways active.  

Streaming services bring Israeli culture to Winnipeg living rooms

Beyond simple socialization and entertainment, technology has opened new avenues for cultural enrichment and education. For many in the community, staying connected to Jewish heritage and Israeli culture is a priority, yet travel is not always feasible. 

Streaming technology has bridged this gap, bringing the sights and sounds of Israel directly into Winnipeg homes. Through virtual tours, livestreamed lectures, and interactive cultural programs, residents can experience a sense of global connection that was previously difficult to maintain without hopping on a plane.

Local programming has adapted to facilitate this cultural exchange. Events that might have previously been attended by a handful of people in a lecture hall are now broadcast to hundreds. For instance, the community has seen successful implementation of educational sessions like the “Lunch and Learn” programs, which cover vital topics such as accessibility standards for Jewish organizations. 

By leveraging video conferencing, organizers can bring in expert speakers from around the world—including Israeli emissaries—to engage with local seniors at centers like Gwen Secter, creating a rich tapestry of global dialogue.

Balancing digital engagement with face-to-face connection

As the community embraces these digital tools, the conversation is shifting toward finding the right balance between screen time and face time. The demographics of the community make this balance critical. Recent data highlights that 23.6% of Jewish Winnipeggers are over the age of 65, a statistic that underscores the importance of accessible technology. For this significant portion of the population, digital tools are not just toys but essential lifelines that mitigate the risks of loneliness associated with aging in place.

Looking ahead, the goal for local organizations is to integrate these digital successes into a cohesive strategy. The ideal scenario involves using technology to facilitate eventual in-person connections—using an app to organize a meetup, or a Zoom call to plan a community dinner. 

As Winnipeg moves forward, the lessons learned during the winters of isolation will likely result in a more inclusive, connected, and technologically savvy community that values every interaction, whether it happens across a table or across a screen.

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Features

Susan Silverman: diversification personified

By GERRY POSNER I recently had the good fortune to meet, by accident, a woman I knew from my past, that is my ancient past. Her name is Susan Silverman. Reconnecting with her was a real treat. The treat became even better when I was able to learn about her life story.

From the south end of Winnipeg beginning on Ash Street and later to 616 Waverley Street – I can still picture the house in my mind – and then onward and upwards, Susan has had quite a life. The middle daughter (sisters Adrienne and Jo-Anne) of Bernie Silverman and Celia (Goldstein), Susan was a student at River Heights, Montrose and then Kelvin High School. She had the good fortune to be exposed to music early in her life as her father was (aside from being a well known businessman) – an accomplished jazz pianist. He often hosted jam sessions with talented Black musicians. As well, Susan could relate to the visual arts as her mother became a sculptor and later, a painter.

When Susan was seven, she (and a class of 20 others), did three grades in two years. The result was that that she entered the University of Manitoba at the tender age of 16 – something that could not happen today. What she gained the most, as she looks back on those years, were the connections she made and friendships formed, many of which survive and thrive to this day. She was a part of the era of fraternity formals, guys in tuxedos and gals in fancy “ cocktail dresses,” adorned with bouffant hair-dos and wrist corsages.

Upon graduation, Susan’s wanderlust took her to London, England. That move ignited in her a love of travel – which remains to this day. But that first foray into international travel lasted a short time and soon she was back in Winnipeg working for the Children’s Aid Society. That job allowed her to save some money and soon she was off to Montreal. It was there, along with her roommate, the former Diane Unrode, that she enjoyed a busy social life and a place for her to take up skiing. She had the good fortune of landing a significant job as an executive with an international chemical company that allowed her to travel the world as in Japan, Hong Kong, New Zealand, Australia, Mexico, the Netherlands and even the USA. Not a bad gig.
In 1983, her company relocated to Toronto. She ended up working for companies in the forest products industry as well the construction technology industry. After a long stint in the corporate world, Susan began her own company called “The Resourceful Group,” providing human resource and management consulting services to smaller enterprises. Along the way, she served on a variety of boards of directors for both profit and non-profit sectors.

Even with all that, Susan was really just beginning. Upon her retirement in 2006, she began a life of volunteering. That role included many areas, from mentoring new Canadians in English conversation through JIAS (Jewish Immigrant Aid Services) to visiting patients at a Toronto rehabilitation hospital, to conducting minyan and shiva services. Few people volunteer in such diverse ways. She is even a frequent contributor to the National Post Letters section, usually with respect to the defence of Israel
and Jewish causes.

The stars aligned on New Year’s Eve, 1986, when she met her soon to be husband, Murray Leiter, an ex- Montrealer. Now married for 36 plus years, they have been blessed with a love of travel and adventure. In the early 1990s they moved to Oakville and joined the Temple Shaarei Beth -El Congregation. They soon were involved in synagogue life, making life long friends there. Susan and Murray joined the choir, then Susan took the next step and became a Bat Mitzvah. Too bad there is no recording of that moment. Later, when they returned to Toronto, they joined Temple Emanu-el and soon sang in that choir as well.

What has inspired both Susan and Murray to this day is the concept of Tikkun Olam. Serving as faith visitors at North York General Hospital and St. John’s Rehab respectively is just one of the many volunteer activities that has enriched both of their lives and indeed the lives of the people they have assisted and continue to assist.

Another integral aspect of Susan’s life has been her annual returns to Winnipeg. She makes certain to visit her parents, grandparents, and other family members at the Shaarey Zedek Cemetery. She also gets to spend time with her cousins, Hilllaine and Richard Kroft and friends, Michie end Billy Silverberg, Roz and Mickey Rosenberg, as well as her former brother-in-law Hy Dashevsky and his wife Esther. She says about her time with her friends: “how lucky we are to experience the extraordinary Winnipeg hospitality.”
Her Winnipeg time always includes requisite stops at the Pancake House, Tre Visi Cafe and Assiniboine Park. Even 60 plus years away from the “‘peg,” Susan feels privileged to have grown up in such a vibrant Jewish community. The city will always have a special place in her heart. Moreover, she seems to have made a Winnipegger out of her husband. That would be a new definition of Grow Winnipeg.

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Beneath the Prairie Calm: Manitoba’s Growing Vulnerability to Influence Networks

By MARTIN ZEILIG After reading Who’s Behind the Hard Right in Canada? A Reference Guide to Canada’s Disinformation Network — a report published by the Canadian AntiHate Network that maps the organizations, influencers, and funding pipelines driving coordinated right wing disinformation across the country — I’m left with a blunt conclusion: Canada is losing control of its political story, and Manitoba is far more exposed than we like to admit.
We often imagine ourselves as observers of political upheaval elsewhere — the U.S., Europe, even Alberta.
But the document lays out a sprawling, coordinated ecosystem of think tanks, influencers, strategists, and international organizations that is already shaping political attitudes across the Prairies. Manitoba is not an exception. In many ways, we’re a prime target.
The report describes a pipeline of influence that begins with global organizations like the International Democracy Union and the Atlas Network. These groups are not fringe. They are well funded, deeply connected, and explicitly designed to shape political outcomes across borders. Their Canadian partners translate global ideological projects into local messaging, policy proposals, and campaign strategies.
But the most concerning part isn’t the international influence — it’s the domestic machinery built to amplify it.
The Canada Strong and Free Network acts as a central hub linking donors, strategists, and political operatives. Around it sits a constellation of digital media outlets and influencer accounts that specialize in outrage driven content. They take think tank talking points, strip out nuance, and convert them into viral narratives designed to provoke anger rather than understanding.
CAHN’s analysis reinforces this point. The report describes Canada’s far right ecosystem as “coordinated and emboldened,” with actors who deliberately craft emotionally charged narratives meant to overwhelm rather than inform. They operate what the report characterizes as an “outrage feedback loop,” where sensational claims spread faster than journalists or researchers can contextualize them. The goal is not persuasion through evidence, but domination through repetition.
This is not healthy democratic debate.
It is a parallel information system engineered to overwhelm journalism, distort public perception, and create the illusion of widespread grassroots demand. And because these groups operate outside formal political structures, they face far fewer transparency requirements. Manitobans have no clear way of knowing who funds them, who directs them, or what their longterm objectives are.
If this feels abstract, look closer to home.
Manitoba has become fertile ground for these networks. Our province has a long history of political moderation, but also deep economic anxieties — especially in rural communities, resource dependent regions, and areas hit hard by demographic change. These are precisely the conditions that make disinformation ecosystems effective.
When people feel unheard, the loudest voices win.
We saw hints of this during the pandemic, when convoy aligned groups found strong support in parts of Manitoba. We see it now in the rise of local influencers who echo national talking points almost in real time. And we see it in the growing hostility toward institutions — from public health to the CBC — that once formed the backbone of civic trust in this province.
CAHN’s research also shows how quickly these networks can grow. Some nationalist groups have seen membership spikes of more than 60 percent in short periods, driven by targeted digital campaigns that exploit economic uncertainty and cultural anxiety. These surges are not organic. They are engineered.
The document also highlights the rise of explicitly exclusionary nationalist groups promoting ideas like “remigration,” a euphemism for mass deportation of nonEuropean immigrants. These groups remain small, but Manitoba’s demographic reality — a province where immigration is essential to economic survival — makes their presence especially dangerous. When extremist ideas begin to circulate within mainstream political networks, they gain a legitimacy they have not earned.
Even more troubling is how these ideas migrate.
CAHN warns that concepts once confined to fringe spaces are now being repackaged in sanitized language and pushed through influencers, think tanks, and political operatives seeking legitimacy. When these narratives appear alongside conventional policy debates, they gain a veneer of normalcy that obscures their origins.
None of this means Manitoba is on the brink of political collapse.
Our institutions remain resilient, and our political culture is still fundamentally moderate. But sovereignty is not just about borders or military power. It is also about information — who controls it, who manipulates it, and who benefits from its distortion. When opaque networks shape public opinion through coordinated disinformation, that sovereignty erodes.
CAHN’s broader warning is that trust itself is under attack. Farright networks intentionally target public institutions — media, universities, public health agencies, cultural organizations — because weakening trust creates a vacuum they can fill with their own narratives. A democracy becomes vulnerable when people no longer share a common set of facts.
The danger is not that Manitoba will suddenly adopt the politics of another country. The danger is that we will drift into a political environment shaped by forces we don’t see, don’t understand, and cannot hold accountable. A democracy cannot function if its information ecosystem is captured by actors who thrive on outrage, opacity, and division.
The solution is not censorship. It is transparency. It is rebuilding trust in journalism. It is demanding higher standards from the organizations that shape our political discourse. Manitobans deserve to know who is influencing their democracy and why.
We are not immune.
And believing we are immune is the most dangerous illusion of all.

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