wont matter, federal insurance law, you can only be insured for flood damage if you live in a flood plain, the feds determine who is and isnt a flood plain. That is why Katrina was so devasting and there are still law suits on that one. a huge % of the people affected in Katrina weren't in the federal defined flood plain and therefore, could not get flood insurance. So when Katrina happened, they were SOL for any losses from the flood. The feds define flood plains and the rate at which you pay, then the feds pay your insurance company who then pays you. When I sold insurance, I HATED flood insurance quotes, I mean HATED