Day 12/100: Flood Insurance, It’s Not Just a Map Anymore 🌊🏡 If you’re looking at homes in our “Area” (Coloma ➡️ New Buffalo ➡️ Edwardsburg), you need to understand how water risk is priced in 2026. The 2026 Data on Flood Risk: 📊 Risk Rating 2.0: FEMA no longer uses a “one-size-fits-all” rate for entire neighborhoods. They now look at your house individually. Two houses on the same street can have completely different premiums based on their foundation and elevation. 📊 The “Low Risk” Myth: Di