As a retired Flood Insurance adjuster I can tell you that any house can flood simply from heavy rain that overloads the drain. Living near a creek increases the possibility because creeks are meant to move water. If you are not in a flood zone then flood insurance would be pretty cheap. You can purchase it from most any insurance carrier that sells it. Check with your HO carrier first. It is better to purchase from an insurance carrier then from National Flood Insurance for customer service issues.
I would suggest everyone to look at your property and you should be able to see if you are higher up than others on your street or are you the lowest (they will flood first). Check out the cost and decide. Chances are you will never flood but chances are your house will never burn down too.
PS: Flood Insurance cost the same no matter who you buy it from so no need to shop around.
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