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Flood insurance when you are next to a zone? (but not in it)

So Im in New England, a short walk to a bay, and debating flood insurance. It’s not required for my property as I’m not in a flood zone according to current maps. The zone starts a few houses away though. The elevation of my house and street is a bit higher.

The quote was $550 annually. I have tons of expenses right now and don’t want to spend the money if I’m throwing it away, but also feel a small risk.

Hurricanes caused flooding in the lower elevations of the neighborhood about 50 years ago. My property didn’t flood then. And a 100year flood happened 90 years ago. I don’t know if the property flooded then or not.

Would you get flood insurance in this scenario?

The AE zone starts a few houses away from me: “AE flood zones are areas that present a 1% annual chance of flooding(opens in new window) and a 26% chance over the life of a 30-year mortgage, according to FEMA. “

submitted by /u/Jaded_Future967
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source https://www.reddit.com/r/RealEstate/comments/15efh95/flood_insurance_when_you_are_next_to_a_zone_but/
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