Is flood insurance really needed? I'm in Florida.

[Reya Ripet]

Hi all!

Just wanted to get some insight if it's needed as it's quite pricey.

So my rental is in Florida in a zone X ( I think). 

Do you think it's needed or over the top careful. My rental is in Gainesville btw, so a ways away from the Ocean.

Off course I have landlord insurance. There is a ditch close by behind the house , like some empty sinkhole(?) ditch?

Thanks

[Jenn Barona]

Here on Gainesville there are homes that flood after storms that are not in a flood zone. If there is a ditch behind your house makes me worry even more that you may need it. Depending on the area I can let you know from my experience if it’s known for flooding or anywhere close by if you’ll pass along the address. I would also reach out to an insurance agent and see what your rate would be. From my understanding it’s going to be a lot more inexpensive because it’s located in an X zone.