Regarding flood insurance, You might want to check the home address using FEMA's Flood Maps, which are here: http://bit.ly/rryzq
. This will tell you the zone. However, even if it might appear to be in a flood zone, insurance may not be required, it varies from property to property. I know of one property in high risk AE zone in Southold where no insurance is required. House elevation is also a factor, some owners have an elevation certificate. As others have said, only an insurance agent can tell you whether or not your property must carry the flood insurance. I recommend you use a local agent as they deal with this all day every day and to that end, one person who can advise is Joe Stepnoski of Neefus Stype in Aquebogue. I have no affiliation, other than satisfied customer. The website is nsainsure (dot) com, or call joe on 631-722-3500 x 201. Hope this helps.