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