Should I buy NFIP or private flood insurance in Georgia?

For most Georgia homes, both NFIP and private flood (Selective, others) are options. NFIP is often better for high-risk coastal Georgia (Tybee, Savannah historic, St. Simons) because federal subsidies can make premiums lower. Private flood often wins for preferred-risk properties in Zones X and AE away from coast, where they may offer higher limits and Additional Living Expense coverage NFIP does not include. We compare both before binding.