All flood insurance is through the NFIP (National Flood Insurance Program). If you need it and don't have it, you aren't covered, and all the whining and crying to the provider of your homeowner's policy won't change a thing.

Congratulations on the sole ownership of your home, Art! That is a bigger deal than many will admit... esp those who have refinanced several times to pay off their credit card debt, and now owe more than their house is worth.

Sue