Major changes are set to take place in flood insurance rates for pre 1975 homes. If you own a home or commercial building built prior to 1975 and located in a flood zone, you may want to read the information provided in the link at the end of this article.

Following is a summary from the information taken from the referenced web-site:

1. Pre-FIRM rates are being discontinued for all business properties and other buildings that are not someone's primary residence. Pre-FIRM rates for currently insured properties expire with termination of an existing policy and are not available for a new policy on the property. Currently insured properties that no longer qualify for Pre-FIRM rates will see their premiums increase 25% per year until actuarial rates are achieved.
2. Grandfathered rates are being discontinued, with premium increases toward actuarial rates being phased in over a 5-year period, 20% of the increase being added each year. The five-year period begins on the Effective Date of the FIRM that identifies the increased risk. For example, if the actuarial rate is $1000 per year more than the subsidized rate, the premium would increase $200 per year for five years.

Click to access website and more info.

Jessica and I took a bucket list trip out to Napa and San Francisco in May to celebrate her birthday 4/8, my birthday 5/24, and our anniversary 6/4. The weather could not have been more perfect, which I hear is very rare in that region.

Our favorite winery was Cakebread Cellars - as you can see from the pictures. 

We toured a Redwood Forest and drove along the Pacific Coast where I got to look for enemy Japanese planes in a WWII lookout post.

We really enjoyed all that San Francisco had to offer.