Most I have spoken to did not have it. To be honest with you if I lived by a river or creek it would be a good idea. Have lived by a creek in West Virginia and the first time it rains cats and dogs that creek becomes a river. One is a fool not to have flood insurance. Or just not live near a creek or river.
If I lived in a mountain valley anywhere in the Appalachians, I’d be very wary of going without flood insurance if I lived on the valley floor by the creek or river. It’s much better than it once was as far as flooding, but that water is going to go somewhere and that somewhere is down into the valleys. I think I would rather have a nice, high view of town from up the mountain but then you have winter challenges as far as getting in and out.