Scoff all you want; plenty of us on this forum have flood insurance from private companies.
if your community doesn't qualify for NFIP, then you live in a very dangerous area.
Actually, I don't live in a dangerous area at all; I'm just PREPARED for anything that might come along.
For a lawyer, you don't appear very smart; you seem to think all things come from the government.
If you (1) live on a Special Hazard Food Area; and (2) have a federally guaranteed mortgage (FHA or VA) then (3) you have NFIP flood insurance.
If you say no, you're either a liar or just plain ignorant.