FLOOD ZONES AND FLOOD INSURANCE
I just got back from a flood insurance class and it touched based on having a flood insurance policy even if you are in a low risk area or Non-Special Flood Hazard Area. Your home may be in a Zone C or X and you are not required to have flood insurance. However, with over a decade of devastating hurricanes it is a huge possibility you could get flooded even in a low risk area. An inexpensive Preferred Risk Policy is an expensive flood insurance policy worth having just in case. I myself am in a Flood Zone X and plan on getting a PRP flood insurance policy.
Here is a link for additional information on what flood insurance covers: https://www.fema.gov/media-library/assets/videos/165832