I think we have every insurance available, including umbrella and flood. This is our first year here. After getting the "lay of the land" I may change at renewal time. In our area there was no flooding during tropical storm that dumped 8-9 inches of rain. But a failed drainage pipe could cause flooding. I asked a county rep at the Hurricane expo about floods and she said she has never heard of one in TV including the 5 Hurricanes in 2004. The Village Insurance and McDonald Ins. Broker seem to be mentioned here the most. Cost depends on several factors including the county you live in. Make your choice, but you can change. Insurance is a WASTE OF MONEY until you need it!