Speak with your insurance carrier as to how much is would cost you to obtain flood insurance. also you can add a rider to your policy to cover you in the event of sewer back-ups.
Mitchell S. Feldman
Associate Broker/ Director of Sales/ e-Pro Realtor
Fillmore Real Estate
Office: (718) 252-2000/ Cell: (917) 805-0783
Keller Williams Real Estate
9120 4th Avenue Brooklyn, NY 11209
Office: (718) 954 8400
Direct: (212) 300-3919
We don't have sewers here so that problem is not one we face, but rising water from ocean or rain is considered flood. One question is at what level of the house does the flood insurance start. Be sure to ask your insurance agent, it is not always the bottom ground level.