Hi Penny, additionally to what has been said, if you want to look for yourself first to get some idea, here is a link to the Town web site that has flood zone maps. Use the Index to find the location/map number you want. They do take a few minutes to load so have patience! ... get a cup of coffee while it loads.
You can also look at the flood maps online. You only need flood insurance if the house is in the zone. I have seen instances where the flood zone partially covers a lot but flood ins is not needed as the house is not in the zone. Elevation will also play a part.