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Today as the world faces a receding economy and with job cuts on the rise it might become increasingly difficult get home insurance done for the safety of your home and property. The situation as seen today seems to leave the consumers living in the flood prone areas with no options at all to avail the home insurance for their homes. Though earlier, people living in geographically sensitive areas could avail insurance by paying an extra amount for their insurance than people living in areas which were not prone to any of the natural disasters. Today insurance companies have chalked out their own safe area maps and the flood area maps and updated their computers to recognize the safe zones and the danger zones. This might prove to be difficult for those people living in the danger zones to renew their home insurance policy as most of the home insurance companies today refuse to cover the homes in such areas. The main reason for such stringent measures is due to the increase in the number of claims received from people living in these danger zones and their frequent claims. So home insurance companies claim that by increasing the cost of home insurance it is at least try to make up the cost incurred in the frequent disbursements