> We are in a lower risk flood zone, but insurance is really expensive now, yeah, and getting much worse. An additional problem is that flood risk is based on

> We are in a lower risk flood zone, but insurance is really expensive now, yeah, and getting much worse. An additional problem is that flood risk is based on area elevation rather than dwelling elevation. In a zone where houses range from 2' to 40' elevation, those dwellings are all rated the same for surge risk.