Do you know what zone you're in?  No, I don't mean the Twilight Zone, I 
mean your flood zone.  If you purchase flood insurance your zone 
determines how much you'll pay for it.  The Federal Emergency Management
 Agency, FEMA, allows you to search for and view online your local flood
 zone maps from their Map Service Center:
https://msc.fema.gov/webapp/wcs/stores/servlet/FemaWelcomeView?storeId=10001&catalogId=10001&langId=-1
Once
 you locate the map for your address you also have the option to buy 
print copies.  Elsewhere on the site there's a link to "Definitions of 
FEMA Flood Zone Designations."  With the map and the definitions, and an
 umbrella and some rubber boots, you should be prepared to purchase your
 flood insurance. 
 
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