Anyone may purchase flood insurance even if their property is not located in a hazardous flood zone.
The National Flood Insurance Program offers low cost protection for homes and apartments in areas of low to moderate flood risk. Some people assume that federal disaster assistance will bail them out if their property is flooded. But disaster assistance is available only if a flood is a federally declared disaster. Most floods are not. Disaster assistance usually comes in the form of a loan which must be repaid with interest. The advantage in purchasing flood insurance is it reimburses you for your covered loss and never has to be repaid.
Ask us for a copy of the National Flood brochure