At closing The Citizens Bank lawyers gave us a certificate that we were not in a flood zone.
But we were also notified we qualify for FEMA is there is a flood? That said we got the insurance for this year and next until we see how things drain away.
Your homeowners does not cover your home if the foundation is moved from a flood or if water migrates into your home from a storm drain backing up.
We did not want to write the check for it but with our investment we took the safe side.
Also while we were not required to at closing bought the owners title insurance. This needed vs not needed argument will go on forever. Remember if the Seminols file a land claim none of us our safe. I have seen this first hand in UpState New York with the Seneca and Oneida Tribes land claims.
I wrote that check and felt very comfortable. A Civil war poor survey or a land claim and our home cost is reinbursed in full. A one time peace of mind payment.
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