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The NFIP administers flood insurance to home owner's and renters. They are also in charge of mapping flood zones as shown on a community's flood hazard boundary map or a flood insurance rate map. (FIRM).

The Federal Emergency Management Agency (FEMA) placed nearly 20,000 communities in America into flood zones. These communities are able to participate in the agency's National Flood Insurance Program (NFIP) which provides flood insurance for home owners and renters.

The premium you have to pay is determined by the level of risk of flooding. For those who live in high risk areas, mortgagors require flood insurance.

To know the flood risk of your property, visit the NFIP online database on flood risk and key in your address. The result would show you the zone you belong to.

The following are some of the different zones as defined by FEMA:

1.Moderate to Low Risk areas. Zones B, C and X.

The communities in this zones are areas that are outside the 1% annual chance floodplain, 1% annual chance of snow sheet-flow flood where average depths are less than 1foot, areas of 1% annual chance of stream flooding where the contributing drainage is less than 1 square mile or areas protected from the 1% annual chance by levees. For those in these areas, flood insurance is not a requirement to qualify for mortgage.

2.The High Risk Areas. The A zones.

Zone A. These are areas with 1% annual chance of flooding and 26% chance of flooding during a 30year mortgage term.

Zones AE and A1 - A30. These are areas with 1% annual chance of flooding and 26% chance of flooding during a 30year mortgage term.

Zone AH. These are areas with 1% annual chance of shallow flooding, usually in the form of a pond of a depth about 1-3 feet. They also have a 26% chance of flooding during a 3o year mortgage term.

This is not by any means a comprehensive list of the zones. You can visit the NFIP online database on flood risk for the full list or await the 2nd part of this article for more information.

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Chisomeje Odimba writes for Quality-Insurance-4-Less.

Madden 09 may be the best madden to date. It has tons of new features and great graphics. My favorite new feature is the "My skill". It has you take 4 test one for Offensive Running, Offensive Passing, Rush Defense, and Pass Defense. Each test test your skill in that area in a neon like field. It give you a rank for each skill called your "Madden IQ".

Then when you play a game it sets the difficulty level to how you did in the test. The best part is if in a game you did great running the ball but bad defending the pass your next game when you run the ball the difficulty will be turned up and next time you are defending the pass the difficulty will go down.

Another new feature is the "EA Rewind". This lets you "rewind" or replay a certain number of plays each game. This feature is more for the people who are new to the game. One thing I noticed while playing this game is they finally got rid of John Maddens annoying voice.=D. Sorry John but 19 years of commentary is enough. John is being replaced with Tom Hammond and Cris Collinsworth who are annoying also but what announcer isn't. Hell there still better then John. Another feature I like about this game is the "rivalry games".

Many maddens before this one have had rivalry games but the difference is that in this game all rivalry(and playoff in dynasty mode) are harder to play. So now Tom Brady can't exactly just plow his way threw the Jets he will have to use some skill. There are also some new Online features. You can now make a "league" which can hold up to 32 players, be password protected and so on.

In a league you can set up a season and even have playoff games against each other. The controls are great the highlight stick is back and better then ever. If there was anything I could change about this game it would be some kind of online fantasy draft. Overall it is a good game and I give it a 8.5 out of 10.

Please message me at razzjets94@aol.com for questions on the game or to request a review for a different game.