Is Flood insurance a good idea? (Homeowners policy) 
Flood insurance is always a good idea . Statistics show that 25 % of all flood claims occur in the low risk `` X '' flood zone . Unless you are at the top of a 50 foot hill I would get a policy ! They start around $ 300/year . If you are in a hazard flood zone you will need an elevation certificate . This tells the insurance company how high your home is compared to the surrounding area . Contact a local surveyor to get one . - Jared 