It really does matter where you live. The folks that are on the water or in the zones need to have it for sure. I am always amazed at those who don't then whine when floods happen.
@Stealth83: Very true. If you apply for flood insurance, they base your fee on the elevation of your home. The higher you are, the less you pay.If I remember correctly, the government bought out a lot of the lower homes along the river after the 1994 flood and tore those houses down.
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