Good question. Required flood insurance is identified by a flood zone map. An elevation certificate is used to certify building elevations if the building is located in a Special Flood Hazard Area. A call to your insurance agent can provide with the current information on the flood zone map and if your lot is in a flood zone. More information can also be found at http://www.fema.gov/plan/prevent/floodplain/nfipkeywords/ele
If you are building a home discuss with your builder options you may have to elevate your home.
We live along the coast. Flooding is a possibility. Even if your property is NOT in a flood zone...flood insurance can provide you some peace of mind and perhaps save you from additional costs. If I can provide you additional resources, feel free to contact me.