[RWebb]

it is far from a "scam"

the so-called 100-year flood (an expectation estimate based in part on historical data) should now be called a 20-year flood

climate change is the likely culprit, but it is now very clear that increased variability in flood levels (higher, and more frequent highs) is the norm

But, is there any reason why you have to go thru this particular co. for flood ins.? Why not check with other agents?

You might also see if there is an updated flood map in your area.