You can get flood insurance in a flood zone, if you are above flood elevation.
My sisters house got flooded for Rita, no flood insurance.
She bought flood insurance and flooded for Ike.
She got paid, no issues.
It was the first time she flooded since the house was built in 1962.
If you are under elevation, you pay a lot more. If you are above flood elevation,
you pay the same as everyone else above flood elevation.
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