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

Zone X is FEMA's low-to-moderate risk designation. Flood insurance is not required for federally backed loans in Zone X properties. But 20 percent of all US flood claims come from properties outside high-risk zones. Several North Atlanta neighborhoods designated Zone X flooded during recent severe weather events because drainage systems were overwhelmed. Private flood insurance for a Zone X property in Georgia is typically $300 to $700 per year. We check your specific address and proximity to drainage areas before making a recommendation.