If your home or any outbuildings are in a Special Flood Hazard Area you will be required to carry flood insurance. Most listings include flood zone information, but if in doubt give us the address and we’ll check for you. Your regular insurance agent will write the policy through the National Flood Insurance Program (NFIP). Start talking about flood insurance as soon as you find out you need it, a survey or elevation certificate may be required and can take extra time. Floodsmart.gov has lots of additional information and a handy risk profile lookup/cost estimator.