I agree with both answers. The FEMA flood map will show you what flood zone it is located in and will provide the most accurate information. Anything in the 100yr floos zone requires flood insurance, but I recommend all property owners having it. We get too many freak storms out here!
Does the home itself show water signs that you might be noticing? A professional inspector can help determine specific damage concerns. Insurance companies, of course, have this information on hand.
Best to you!
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