I have a rental property near Little Rock. About 3 feet of one corner of a bedroom is located in the 500-year flood plain of a creek that is at least 300 yards away, downhill. As a result, we are required to have flood insurance. $1200 a year! Equal or more than our hazard insurance. It's a joke in this instance. I get hassled about it by the government every year. I don't know how people in actual flood plains get away with not having it.

Karen