I'm wondering the true risk on resale of a RI home in a severe flood warning area (7/10 according to Redfin)?

There is absolutely 0 curiosity on the reasoning for this, NAHB (National Association of Home Builders) has been warning of this for about a decade, as well as all of us in the building world, to which we were widely ignored, well here ya go. 

WARNING: it rarely works out to file claims on small amounts.

-You will drive there too often the first few months, just a warning :)

I sent two registered delinquent notices to her to warn insurance non compliant and foreclosure proceeding at the end of august.    

Free yourself, like a gazelle from the hand of the hunter, like a bird from the snare of the fowler.Proverbs 11:15: Whoever puts up security for a stranger will surely suffer harm, but he who hates striking hands in pledge is secure.Proverbs 17:18: One who lacks sense gives a pledge and puts up security in the presence of his neighbor.Proverbs 22:26: Be not one of those who give pledges, who put up security for debts.These say 1) don't risk too much with loans requiring collateral and 2) don't get a loan with a sketchy dude because you're going to get caught holding the bag.Romans 13:8, too:  Owe no one anything, except to love each other, for the one who loves another has fulfilled the law.This warns against debt that incurs an outstanding obligation.

I warn my tenants not to use bleach on the quartz or put hot things on it, just to make sure. 

You mentioned that Zillow warns you not to open the criminal, and I know that for the other services you have to manually open the criminal and credit sections separately.

Congress was warned about this months ago.

I would rather be feared then loved and Ill take the risk of dealing with the magistrates and explaining a simple escrow account over losing money on a business transaction.Somehow, you've managed to forego the warning against being hated for needless cruelty in your first quote and you equate grifting $50/month more out of a tenant for a pet that doesn't exist with "something great."