Indy, if you are in the 100-year flood plain, your address may well show up as being within the flood zone boundaries but the elevation of your property may remove you (with the elevation certificate someone mentioned earlier). There is a base flood elevation that defines that flood plain, and your specific property may be above that elevation but most FEMA maps are pretty generic and don't pay much attention to minor topographic changes. There are also letters of map change that are on file that exempt properties from the flood plain - people can petition to be removed if they are above the base flood elevation so that they are not forced to get insurance. A previous property owner may have done that.

I do this sort of research for commercial properties with federally- backed loans - let me know if I can do anything to help settle your mind on this.