Anywhere it rains, it can flood. A flood is a general and temporary condition where water or mud flow inundate two or more acres of normally dry land or two or more properties. Many conditions can result in a flood: hurricanes, over-topped levees, outdated or clogged drainage systems and rapid accumulation of rainfall.
Just because you haven't experienced a flood in the past, doesn't mean it is never going to happen in the future. Flood risk isn't just based on history; it's also based on many factors: rainfall, river-flow and tidal-surge data, topography, flood-control measures, and changes due to building and development.
We strongly recommend you consider purchasing this coverage even if you are in a floodplain.