You live in a flood zone!

Interesting article on flood insurance from the Fort Morgan City Times.  Of particular note were the clarifications that were spelled out regarding flood insurance
 
In fact, everyone lives in a flood zone, said FEMA insurance specialist Norm Ashford — the only differences are whether their homes or properties are located in what are considered low-risk or high-risk flood zones.

You may not know it, but you live in a flood zone.  Insurance companies will assess your risk as high-risk or low-risk based upon flood hazard maps.  But, no matter where you live, you should consider flood insurance when getting a house insurance quote.  More often than not, this is not included in your standard house insurance policy.