In many States flood insurance is only required if you live in a flood zone. This type of policy is separate from your homeowner’s policy and is required with your homeowner’s policy by your mortgage lender. When purchasing a property wise to inquire if the property is in a flood zone – Global warming has changed the weather patterns across the country, changing how and where water flows during extremely harsh weather conditions. However other parts of the country have experienced flood map as a natural disaster check your flood map:https://msc.fema.gov
Texas, Louisiana, Mississippi are parts of country that have recently experienced Major floods- never since in the last 100 years large shifts in weather patterns and reality of climate change.