FEMA sent us the NFIP claim history when we bought the house, and based on the amount paid out and risk of recurrence, versus the premium we pay, I think our pr

FEMA sent us the NFIP claim history when we bought the house, and based on the amount paid out and risk of recurrence, versus the premium we pay, I think our premium is fair. Interestingly, despite being inland in New Jersey the two claims correlate with two hurricane strikes (Floyd and Sandy). The river we are on is pretty small and only rises when there is heavy rain (and starts falling almost as soon as the rain stops).