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Flood Insurance—A Key to Recovery

Michael T. Olexa, Jana Caracciolo, and Lauren Grant
²

Introduction

Relying solely on federal disaster assistance is a bad strategy!

Federal disaster assistance is available only if a flood is declared a federal disaster (more than 90 percent of all disasters in the United States are not so declared).
Disaster aid usually comes in the form of loans that must be repaid with interest.
Most homeowners’ policies do not cover flooding.

Federal flood insurance, however, reimburses you for flood damage even if a flood has not been declared a federal disaster

The National Flood Insurance Program

The Federal Emergency Management Agency’s (FEMA) Federal Insurance Administration makes the National Flood Insurance Program (NFIP) available to residents of communities that adopt and enforce floodplain management ordinances that represent sound land use practices.

Whether your flood risk is high, medium, or low, you can buy flood insurance as long as your community participates in the NFIP. Find out more information on how your community can participate in the NFIP at the FEMA website. Access online at https://www.fema.gov/national-flood-insurance-program

It is a good idea to buy flood insurance even if you do not live in a high-risk area, as almost 25 percent of all flood insurance claims come from low-risk to moderate-risk areas. Information about the low-cost policy of homes in low-risk to moderate-risk flood areas is available at the FEMA website. Access online at http://www.fema.gov/library/viewRecord.do?id=3907.

Why should you get National Flood Insurance?

You do not need to live near water to be flooded. Floods are caused by storms, melting snow, and hurricanes, as well as water backup due to inadequate or overloaded drainage systems and failures of dams and levees. For comparison,

The average flood insurance policy costs about $500 a year for $100,000 of coverage
A disaster home loan can cost you more than $300 a month for $50,000 of coverage

If you live in a Special Flood Hazard Area (SFHA), federally-regulated lending institutions will require flood insurance for you to secure financing to buy, build, or improve structures. You must have flood insurance in an amount equal to the outstanding principal balance of the loan, the value of the building, or the maximum limit of coverage available under federal law, whichever is less. Flood insurance must be maintained for the life of the loan.

When should you get National Flood Insurance?

PLAN AHEAD! There is usually a thirty-day waiting period before the coverage goes into effect.

How do you get National Flood Insurance?

You can buy NFIP flood insurance from private insurance companies and agents.

Go to the NFIP website to locate private insurance companies in your area that, through an agreement with the Federal Insurance Administration, sell and service federal flood insurance policies. Access online at https://www.floodsmart.gov/flood-insurance-provider

You may also contact your insurance agent or company.

Sources for This Publication

Federal Emergency Management Agency (FEMA). Answers to Questions about the National Flood Insurance Program. Access online at https://www.fema.gov/national-flood-insurance-program

Federal Emergency Management Agency (FEMA). Flood: Are You Protected from the Next Disaster? Access online at https://www.fema.gov/media-library/assets/documents/3536#

Federal Emergency Management Agency (FEMA). Top 10 Facts Every Consumer Needs to Know About the NFIP. Access online at http://www.in.gov/dhs/files/mit_natl_flood_ins.pdf

Footnotes

1. This document is Dh302 (formerly DH0434), one of a series of the Food and Resource Economics Department, UF/IFAS Extension. Original publication date June 1998. Revised January 2016 and October 2019. Visit the EDIS website at
https://edis.ifas.ufl.edu for the currently supported version of this publication. The funding for the revision of this publication was provided by the James S. and Dorothy F. Wershow Endowment. This publication is part of the Disaster Handbook, a component of the Comprehensive Disaster Preparedness and Recovery Education Module. There are ten Disaster Handbook documents by Olexa, Caracciolo, and Grant: Dh238, Dh299, Dh300, Dh301, Dh302, Dh303, Dh304, Dh306, Dh315, and Dh319.

2. Michael T. Olexa, professor, Food and Resource Economics Department, and director, Center for Agricultural and Natural Resource Law; Jana Caracciolo, student, UF Levin College of Law; and Lauren Grant, student, UF Levin College of Law; UF/IFAS Extension, Gainesville, FL 32611.

Note: This publication is designed to provide accurate, current, and authoritative information on the subject. However, since the laws, regulations, administrative rulings, and court decisions on which it is based are subject to constant revision, portions of this publication could become outdated at any time. This publication is distributed with the understanding that the authors are not engaged in rendering legal advice or opinions, and the information contained herein should not be regarded, or relied upon, as a substitute for legal advice or opinion. For these reasons, the utilization of these materials by any person constitutes an agreement to hold harmless the authors, the Institute of Food and Agricultural Sciences, and the University of Florida for any liability claims, damages, or expenses that may be incurred by any person as a result of reference to or reliance on the information contained in this fact sheet.

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How much is 202 United States Dollar (USD) to Emirates Dirham (AED)

202 USD is equal to 741.948 AED

Explanation:

1 USD is equal to 3. 67301 AED
202 USD = 202 x 3.67301 = 741.948 AED

202 US Dollar to Emirates Dirham Performance

Rates	1 month	3 months	6 months
Maximum	741.967	741.967	741.967
Min.	673.983	673.983	673.983
Average	739.764	741.213	741.59
Volatility	0.00014%	-0.00248%	N/A%

Compare USD AED market rates

Tariffs	US dollar	Transaction fee	Emirati Dirham
0%(bank)	202 USD	N/A	741,948 AED
1%	202 USD	$2. 02	AED 734.529
2% (withdrawal from ATM)	202 USD	$4.04	AED 727.109
3% (Credit card)	202 USD	$6.06	AED 719.69
4%	202 USD	$8.08	AED 712.27
5%(Kiosk)	202 USD	10.1 USD	704,851 AED

USD to AED exchange rate history

Statistics for the last 14 days

Date	US dollar	Emirati Dirham	Change	% Change
November, 20/11/2022	202 USD =	741.948	-0.00646	-0.00087%
November, 19/11/2022	202 USD =	741. 954	N/A	N/A
November 18/11/2022	202 USD =	741.954	-0.01091	-0.00147%
November, 11/17/2022	202 USD =	741.965	0.01293	0.00174%
November 16/11/2022	202 USD =	741.952	-0.01374	-0.00185%
November, 11/15/2022	202 USD =	741.966	0.0303	0.00408%
November 14/11/2022	202 USD =	741. 936	-0.00808	-0.00109%
November, 13/11/2022	202 USD =	741.944	-0.02303	-0.0031%
November, 12/11/2022	202 USD =	741.967	0.01252	0.00169%
November, 11/11/2022	202 USD =	741.954	-0.01151	-0.00155%
November, 10/11/2022	202 USD =	741.966	67.983	10.087%
November, 09/11/2022	202 USD =	673. 983	-67.953	-9.1589%
November, 08/11/2022	202 USD =	741.936	-0.0307	-0.00414%
November, 07/11/2022	202 USD =	741.967	0.02666	0.00359%
November, 06/11/2022	202 USD =	741.94	-0.01454	-0.00196%

Statistics for the last 12 months

202 USD to AED, December 2021

December 2021	Exchange rate
01 December indicator	AED 741. 954
December 31 indicator	741,941 AED
Highest rate	741,967 AED as of December 03
Lowest rate	741,936 AED as of December 08
Presentation	Height
Change	0.0%

202 USD to AED Nov 2021

Nov 2021	Exchange rate
01 November indicator	741,952 AED
30 November indicator	741,986 AED
Highest rate	741,987 AED as of Nov 04
Lowest rate	741,923 AED on November 14
Presentation	Height
Change	0. 0%

202 USD to AED October 2021

October 2021	Exchange rate
01 October indicator	AED 741.93
October 31 indicator	AED 741.987
Highest rate	741,987 AED October 11
Lowest rate	741,927 AED October 08
Presentation	Height
Change	0.0%

202 USD to AED September 2021

September 2021	Exchange rate
01 September indicator	741,986 AED
30 September indicator	AED 741. 987
Highest rate	741,987 AED for September 16
Lowest rate	741,936 AED for September 26
View	Height
Change	0.0%

202 USD to AED August 2021

August 2021	Exchange rate
01 August indicator	741,966 AED
August 31 indicator	741,944 AED
Highest rate	741,987 AED for August 17
Lowest rate	741,927 AED as of August 20
Presentation	Height
Change	0. 0%

202 USD to AED July 2021

July 2021	Exchange rate
01 July indicator	AED 741.987
05 July indicator	741,986 AED
Highest rate	741,987 AED as of July 09
Lowest rate	741,927 AED as of July 16
Presentation	Reduction
Change	-0.001%

202 USD to AED June 2021

June 2021	Exchange rate
01 June indicator	741,986 AED
07 June indicator	741,986 AED
Highest rate	741,987 AED for June 15
Lowest rate	741,936 AED as of June 21
Presentation	Reduction
Change	-0. 001%

202 USD to AED May 2021

May 2021	Exchange rate
01 Can indicator	741,906 AED
31 Can indicator	741,967 AED
Highest rate	741.987 AED at May 08
Lowest rate	741,906 AED at May 31
Presentation	Height
Change	0.0%

202 USD to AED, April 2021

900April 19, 2021

Exchange rate
01 April indicator	741,967 AED
April 30 indicator	741,935 AED
Highest rate	741,987 AED as of April 20
Lowest rate	741,935 AED as of April 01
Presentation	Reduction
Change	-0. 001%

202 USD to AED, March 2021

March 2021	Exchange rate
01 March indicator	AED 741.987
March 31 indicator	741,986 AED
Highest rate	741,987 AED on March 12
Lowest rate	741,937 AED on March 14
Presentation	Reduction
Change	0.0%

202 USD to AED February 2021

February 2021	Exchange rate
01 February indicator	741,956 AED
28 February indicator	741,985 AED
Highest rate	741,987 AED as of February 02
Lowest rate	741,944 AED on February 04
Presentation	Height
Change	0. 001%

202 USD to AED January 2021

January 2021	Exchange rate
01 January indicator	741,986 AED
31 January indicator	AED 741.987
Highest rate	741,987 AED as of January 01
Lowest rate	741,928 AED as of January 03
Presentation	Height
Change	0.001%

USD to AED Conversion Table

US Dollar (USD)	Emirates Dirham (AED)
202. 1 USD =	742.315
202.2 USD =	742.683
202.3 USD =	743.05
202.4 USD =	743.417
202.5 USD =	743.785
202.6 USD =	744.152
202.7 USD =	744.519
202.8 USD =	744.886
202.9 USD =	745.254

Convert 202 USD to other currencies

Currency	Exchange rate
Australian dollar	AUD 303. 21
Swiss franc	CHF 192.674
Chilean peso	190,243.26 CLP
Colombian Peso	1,007,743.66 COP
Czech crown	CZK 4,767.46
Danish krone	1,455.84 DKK

Different USD amounts to AED

203 US Dollar to Emirates Dirham
204 US Dollar to Emirates Dirham
205 US Dollar to Emirates Dirham
206 US Dollar to Emirates Dirham
207 US Dollar to Emirates Dirham
208 US Dollar to Emirati Dirham
209 US Dollar to Emirates Dirham
210 US Dollar to Emirati Dirham
211 US Dollar to Emirati Dirham

Frequently Asked Questions about 202 USD to AED Exchange Rates

How much is 202 US Dollar to Emirates Dirham today?

USD$ 202 is worth AEDد. إ 741.948 today, an increase from 2.1837 (0.29519%) in the last 30 days.

When was the rate updated?

Rate USD$ 202 to AED was last updated on 20 November 2022 20:21 UTC.

How much was 202 US Dollar to Emirates Dirham at the same time last year?

$202 US Dollar on November 20, 2021 is equal to د.إ 741,934 Emirati Dirham.

How to get from Dubai Airport to Sharjah? Bus, taxi

An article about how to get from Dubai to Sharjah: distance, travel time, cost

Bus

Taxi

Rent a Car

Dubai — Sharjah. How to get there and how long to go?

From Dubai International Airport to Sharjah can be reached by bus or taxi. The bus ride lasts 1 hour 2 minutes and costs $5 (18 dirhams). The car will take you to the city in 25 minutes, you will have to pay a minimum of $55 (202 dirhams). The distance from Dubai Airport to Sharjah is about 40 km.

Buses are distinguished by high comfort: a spacious interior, soft seats, air conditioning. On buses, the front part of the cabin is reserved for women and children, and men seen there will be fined. Bus tickets can only be purchased with dirhams, so be sure to visit the exchange office before you travel. In the evening, the buses are overcrowded, at the same time there are often traffic jams on the roads. Buses run around the clock.

Sharjah — a city with strict laws

Despite the fact that Sharjah borders Dubai, these cities have fundamental differences. Sharjah is a very conservative emirate; everything that can be found in Dubai is strictly prohibited here: alcohol, loud fun, revealing clothes. Here, other entertainments are held in high esteem: a visit to the National Heritage Museum and the Museum of Classic Cars, a walk through the ancient Meredzha district, riding a 60-meter Ferris wheel «Eye of the Emirates». In addition, tourists are delighted with the dancing 100-meter fountain, which is located in Al-Majas Park. Coming here, it is definitely worth seeing the King Faisal Mosque, as well as the 7-meter-high Koran monument.

Bus from Dubai to Sharjah

Cost

Waiting

up to 1 hour

Travel time

~ 1 h 20 min

For whom

Individual tourist

Bus number E306 departs from Dubai Central Bus Station and arrives at Sharjah Central Bus Station. The duration of the bus trip is 42 minutes, the cost is $3 (11 dirhams). Tickets can be purchased from the driver just before boarding.
You can also take bus number 111. It departs from the Dubai Rashidiya metro station, the final stop is Sharjah Airport. The cost of the trip is $2.7 (10 dirhams) and the duration is 1 hour.

Bus from Dubai airport to Sharjah:

Buses №№E306, 111

Schedule:

No. E306: around the clock
No. 111: from 05:30 to 23:30

Route:

Bus #E306: Dubai Airport — Central Bus Station (AlGhubaibaBusStation) — Sharjah Central Bus Station (AlJubailBusStation)
Bus No. 111: Dubai Airport — Dubai Rashidiya Metro Station — Sharjah Airport (SharjahAirportTerminal)

Travel time:

No. E306: 1 hour 2 minutes (20 minutes — metro to bus station, 42 minutes — bus)
# 111: 1 hour 20 minutes (20 minutes — metro to Dubai Rashidiya station, 1 hour — bus to Sharjah)

Expectation:

#E306: 15 minutes
#111: 1 hour

Comfort:

High: soft seats, spacious interior, air conditioning, Wi-Fi

Price:

From $5 (from 2 — metro, 3 — bus to Sharjah)

For whom:

Without small children, for young tourists, with hand luggage, overnight arrival

How to find the bus stop to Sharjah at Dubai Airport:

To get to the Central Bus Station, take the green metro line at the airport and get off at AlGhubaiba Station. The green line metro station is located near Terminal 2 of the airport.

Taxi Dubai — Sharjah. Transfer

Cost

$55

Waiting

5 minutes

Travel time

25 min

For whom

A family

If you don’t want to depend on bus timetables, you have a lot of things, or you want to get to your desired destination as quickly as possible, book online a private transfer or taxi from Dubai to Sharjah. This option is suitable for families with children (child seats) and older travelers, as well as not very expensive and very comfortable. The duration of the taxi ride to Sharjah is only 25 minutes, the cost of an economy class car is $55 (202 dirhams), a minibus for 7 passengers is $96 (353 dirhams).

Schedule:

around the clock

Route:

To your hotel in Sharjah or given address

Travel time:

25 min

Expectation:

You have to wait no more than 10 minutes for a taxi.
There is no need to wait for an individual transfer, the driver will meet you at the exit from the arrivals area, with a name plate in hand.

Comfort:

Taxi on the spot: driving without stops and without fellow travelers.
Pre-booked transfer: no baggage surcharge, wide choice of car class, air conditioning in the cabin, help with luggage, roomy trunk, child car seats

Price:

from $55 for an economy class car and from $96 for a minibus for 7 passengers

For whom:

For the first time in the UAE, for businessmen, families with small children, a large group of tourists, with large luggage, arrivals at night, elderly tourists

How to find the taxi rank from Dubai Airport to Sharjah:

The taxi rank is located at the exit of Terminal 3 of the airport, on the right side.

Choose a transfer

Car rental in Dubai

Cost

from $25

Lease term

from 1 day

Driving experience

from 2 years

To rent a car without a driver from Dubai to Sharjah, you will need an international driving license and a passport. Cash is not accepted, all transactions are carried out through a personalized bank card. Most cars with automatic transmission.
The price of renting a car for a day includes insurance. For $8-10 per day you can take a navigator. You can rent a car at Dubai Airport.
Do not use the services of companies that accept national laws. Without an IDP, most insurance companies will refuse to pay compensation.