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.
Well ,folks I'm calling it a night.