I'm from Houston. Same topology as Florida. Same risk of hurricanes and tropical storms. Same distance from the ocean. Anybody remember tropical storm Harvey from the news a few years ago? My house and 2 acre property was in no flood plain whatsoever, but the border of the 100-year plain was across the street. Problem is, floods don't read maps.
Fortunately my builder was smart enough to berm that house against 48" of rain, anyway. I was stuck in that house for a week because that house became an island, 2" above a giant lake that extended a mile to the nearest creek. I didn't feel foolish for buying flood insurance that day. But I helped a lot of neighbors clean up who didn't think they needed it. If it had been a 50" day, I would have needed mine.
$325 for flood insurance and you live next to a flood plain? Don't be a fool. Pay the man!
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