I have been handling flood claims for the past 20 yrs... a flood can occur anywhere even if you are not in a flood zone. As far as I know TV is not in a flood zone however given enough rain some areas could flood. Another example of having your house flood would be if someone hit a fire hydrant in front of your house. The odds are slim but it could happen and your house could flood. Your HO insurance would not cover the damage. They would cover damage from a broken pipe inside your house.
We just purchased a home in TV and I am not buying flood insurance. If you need the comfort of having flood insurance I would suggest that you do not buy the max of $250K but rather a modest amount of about $50K which would probably cover most all of the damage but it would not be replacement cost coverage. If you have any specific questions you can PM me.
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