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It depends. Some homes are in mandatory flood zones. However, all properties are at risk – more than 20% of claims come from properties outside of the mandatory zone. Even if you live outside of the mandatory areas, the Federal Government has a low-cost option that subsidizes your policy.
Everybody has some level of risk from flooding and should consider a certain level of coverage. Everyone lives in a flood zone and may be vulnerable to excess rainwater, storms, river levels, and other factors. The Government flood program has set up lower-priced policies for those with lower risk.
Note - An information resource is from National Flood (FEMA)