It's also the coastal areas for hurricanes, hence the reason we are required to have wind and hail coverage while we have a mortgage even though this area is extremely unlikely to be hit by a hurricane. Also being in a coastal county we cannot get a low deductable insurance plan like we had near Charlotte. Our deductible will be 3 times what it was there (lowest we can get here) plus an additional deductable for any named storm (done by percentage). Actually both our Realtor and insurance agent pulled checked to see if the property we're buying is in a flood zone, and it is not listed as being in one.
As bmccasland stated flood damage is not covered by regular home owner's insurance policies. Now if you live in a coastal county and buy a home on the beach, good luck find a private insurance company to issue wind and hail as well as flood, esp if it's a rental property. If it's a primary residence you might be able to get it depending on which insurance company you're dealing with.