I live in a hurricane zone, just a part of life here. Also possibly in a 100 or 500 year flood plain, I am not sure and since the house isn't mortgage the lender doesn't require it.
I'm not sure about the accuracy of the flood plains either. A house that is owned by a family member (not occupied) is outside the 500 year flood plain in TX and was washed off it's beams/foundation in 2008 when we got 18" of rain in about 12-14 hours in the spring. The house was built around 1900.
