Do I need flood insurance if I am in FEMA Zone X?

Quick answer: Zone X is low-to-moderate risk but 20 percent of all US flood claims come from Zone X properties.

Zone X is low-to-moderate risk but 20 percent of all US flood claims come from Zone X properties. Storms do not follow flood maps. Several North Atlanta neighborhoods in Zone X flooded during recent severe weather events. Private flood for a Zone X property is often inexpensive and worth the premium.