Thanks for the additional info, withm. I'll digest it fully tonight, but I did look at the article you linked to. That's just the thing I was trying to get a feel for, i.e, how stable is this program to begin with. I also found a website that discusses some of the problems you can anticipate with the program.

That's not to say that I won't get flood insurance; I just what a realistic understanding of how much faith to place it. I gotta first determine whether I can get it, whether I should, and how much it's going to cost.

Thanks for everyone's input.