Do it, @HawleyMO.   Because, in helping people with paperwork after #Helene, I’ve seen red tape NOT with homeowners insurance companies, but with the National Flood Insurance program they must sell flood insurance through.  

NC insureds pay extra for flood insurance because insurance companies here don’t cover floods…. They offer flood coverage through the NFI program.   THAT is the program you need to look at.    Them and FEMA.