agreed absolutely.
We bought a home on the N shore of Lake Ponchartrain in 1997. I have a very clear memory of the flood maps presented to us and the level of protection (C) that I would have to have due to my 6 foot elevation above sea level.
This isn't rocket science.
I live in North Carolina, miles from any large river or creek; my homeowners policy comes every single year with a pull-out disclaimer telling me that it doesn't cover flooding and telling me who to call to get some.