[CobaltBlue]

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.

[Howlin]

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.

I don't live on a Special Hazard Flood Area

And

I don't have a mortgage, period.

Now you can apologize for calling me a liar or ignorant.