Thats the problem though, most places have at least some flood risk but are being zoned and then sold as safer than they are. I live on the top of a hill. I have no risk from flooding but it doesnt protect me from tornadoes or fire. Tried to get earthquake insurance since I figured it would be cheap and on the off chance the New Madrid rips. Nobody even offers it in my area. If that thing goes, it’ll make things really interesting.