Do I need flood insurance if my Georgia property is in FEMA Zone X?

Zone X is FEMA's low-to-moderate risk designation where flood insurance is not federally required. But 20 percent of US flood claims come from Zone X properties. Storms do not follow flood maps. Several North Atlanta neighborhoods in Zone X have flooded during recent severe weather events. Private flood for a Zone X property is often inexpensive relative to the risk, particularly for homes near drainage channels or low-lying areas.