Maybe, maybe not. When I lived in southeastern Pennsylvania, my first home had a sump pump. That was not uncommon in the area, since the soil there is a very dense, heavy red clay that doesn't drain quickly. I really think the fact that the builder included a sump pump had more to do with the soil type than the flood zone. Also, in the five years that I lived in that house, I don't believe the pump was needed more than once, but I sure was glad I had it.
If you want to check the flood zone of a property, you can go to the FEMA website, referenced below, and put in the address.
The "X" zone is the least likely to flood; the "A" zone is more likely to do so. If the zone is "AE", you'll want to get a surveyor to do an elevation to determine the exact height above the mean high water mark of the lowest living area. This is relatively inexpensive, and will probably save you money on your flood insurance policy. Good luck in your home search.
Maggie Hawk, REALTOR
Watson Realty Corp.
I service all of central and southern Illinois. Each home in an area may be different and the seller has to divulge if the property or structure is in a flood plain. Your bank will require flood insurance, none the less, if they are worried about it. 100 year flood plain maps will help determine this. I would need a specific street to help determine it's vulnerability. Call me at if you need help.