Fortunately, our home site did not flood during Beulah, nor the 500 year flood we had in the early 90's. We're on high elevation compared to all around us. When we built our home, our lender required a flood potential evaluation and it was determined that we didn't need flood insurance. Our insurance company agreed.
We survived 17" of rain in about 9 hours with 9" coming in the first couple of hours or so. That was the 500 year flood in the early 90's. We had been in our new home 2 weeks when the flood hit.
Where was the 500 Year flood down there?
I think we will be ok too. Property around my neighhood floods and our street does sometimes but even though I'm in the port we are at higher elevation. Our water drains down to my poor neighbors.
Our agent didn't think we needed it either. I think we are in a 100 year plain. Things happen though and it's not expensive.We used to live in a mobile home in Crosby Texas. The insurance company wasn't going to pay at 1st until witnesses told them the roof was raised up and that it was rain water and not rising that caused the water damage. Since then I have carried FI.