Flood Zine A would, to the best of my knowledge, require flood insurance, but this would have to be verified and the amount would depend on how much of the house and/or property is in the actual flood zone.............. I have a listing, flood zone A, but only a small part of the rear corner of the home and small portion of the rear property is in the zone.....the owners pay $2500 a year for their premium. Another home I know of, also Zone A, has a premium of $3500 - so, it can vary....... you need to check with the insurance company to see what the actual premium amount would be. Elevation and the actual amount of the property located in the zone can make a difference. Just as a point of information - merely being in a designated flood zone does not mean there will be flooding/water problems - the home I have listed has never had any flooding, seepage or claims filed!