Collapse or subsidence of land and the insured house, along a shore of a body of water caused by waves or currents of water are considered a flood and are covered by this policy.
Overflows from sewer systems or sump pumps are not considered a flood unless a flood has caused the backup and overflow.
Flood insurance is required by law for some high risk homes but only a minority of homes fall under this category. Congress passed some laws requiring that all federally-insured or regulated lenders, for instance mortgages backed by Fannie Mae or Freddie Mac require flood insurance to protect their investment in the property.
90% of all natural disasters have some form of flooding.
Floods can happen anywhere and without warning. 25% of homes with flood claims each year are in low risk zones just like yours. Give yourself and your family the peace of mind of knowing that they are protected should a flood happen. It will take a full 30 days from the time your policy is purchased to be valid so waiting to make this decision is a serious risk.