My homesteaded home here in FL is not in a federally designated flood zone.
We have FEMA flood insurance.
Per FEMA, all of Florida is in a flood zone. Areas are rated low risk to high risk and the insurance premiums are based on that scale.
In my state of Washington, only those areas bordering along streams, rivers, and coastal waters are going to be shown on FEMA flood plai maps and are eligible for flood insurance