I was in the flood insurance claims business for over 25 years. You don’t have to be near water to get flooded. Find out what zone you are in first. My guess it’s an X zone which is underestimated since it’s a new area. You only need to insure the house. The mortgage company doesn’t care about your contents. The maximum insurance you can get on a home is $250k. Just get enough to satisfy the mortgage company. It should not be too expensive. Your HO insurance will not cover anything damaged by FLOOD. A broken water pipe that floods your hose is covered by HO insurance not Flood insurance.
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