Ask some of your friends and neighbors who live in Fremont, it may be a customary thing to carry flood insurance on your home.
As far as re-sale value, if everyone is required to get flood insurance in Fremont then it is probably not going to affect re-sale value.
Flood zones & Flood Insurance are zoned & priced by the Feds. We have some data that can help you do a self accessed flood zone determination to possiblly get you in a preferred flood zone rate.
If you would like some assistance please call us for a Free Flood Insurance Quote and further details. We also provide Homeowners Insurance for a great rate also.
Rancho SImi Insurance Agency, 1611 Los Angeles Avenue Simi Valley CA 93065