[upthesaukee]

then yes, ya gotta get it, unless you can prove to them that the property is not in the 100 year flood plain. You may not think you are in a flood plain because you are not that close to the lake, but it may not be the lake. It can be rivers and streams, small ponds with streams, etc.

We lived in Bossier City LA and our realtor told us up front we would have to get flood insurance, so when we went to our Insurance agent, we told him what we needed. He looked it up, and we did not need it. We had a corner lot, and our house was the only one of four lots that did not need it. In fact our whole block, about 20 houses did not need it, because our lots were literally about 2-3 feet higher than the lots across the street, and that was all it took. We actually had some terrific rains, and had water come half way up our driveway, while the neighbors across the street had water lapping at their doors.

Bottom line, if you're told you need it, then get it. Also know how much you will need to satisfy the mortgage company, and how much you will need to cover your contents, because your normal HO policy will not cover any flood damage.

I understand your frustration, and with your hands in your pocket, I would ask the realtor what's up with not being told. Don't know if you had an estate lawyer involved, but he/she may have caught that early enough for you to get out of the P&S.