California E&S Insurance

Should We Get Flood Insurance Even if Not in a Flood Zone? We’re considering a home near a river that has a river view, and we really like the location. The area isn’t in a designated flood zone, and our realtor mentioned that flood insurance isn’t necessary. However, we’re wondering if it might still be a good idea to get it, just in case. Anyone have experience with this? Is it worth the extra cost for peace of mind, even if it’s not required? How much does flood insurance typically cost for homes that are near rivers, but not in a designated flood zone? Are there any alternative plans or options to protect against flooding that I should know about? Any insight on typical costs would also be super helpful. Thanks in advance!

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