Are you trying
I have lived on Hilton Head Island for 30 years and the one year I dropped my flood insurance, Hurricane David decided to visit. I was lucky. David was a class 5 storm that did not cause us a problem other than me losing sleep because I had no flood insurance and could not get it until 30 after David came and went and only if another storm did not show up on the radar. Believe me, I got my flood insurance and have never looked back. Get it and forget it.
Bill Brannon, Hilton Head Isand, SC
That said, flood zones are man made lists and floods don't follow lists ... it's always to your advantage to carry flood insurance, look at Indiana today, they haven't had a flood in 92 years - but they got one today ....
It's cheap insurance and you'll sleep better living in a coastal area.