I don't need flood insurance and yes if you do that is separate and covered by NFIP the government program because private will not cover at all here. I brought

I don't need flood insurance and yes if you do that is separate and covered by NFIP the government program because private will not cover at all here. I brought that up due to the parent comment referencing building in a swamp. All premiums are going up do to wind coverage not water, now define unknown and unlikely vs known and likely. Again Tampa hasn't been hit by a hurricane in 100 years, I am sure it will get hit at some point which is known but is that likely or unlikely? All insurance runs on actuarial science, likely or unlikely are not an actuarial term afaik, all covered risks are known at this point it's just a matter of their statistical probability.