Why do I need to purchase flood insurance if my property/residence is located within a Federal Emergency Management Agency (FEMA) Zone X?

Typically, mandatory flood insurance is not required if your residence is located in Federal Emergency Management Agency (FEMA) Zone X, although your mortgage company may require you to have flood insurance if they believe there is a risk to your residence and they want to protect their interest.

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1. Why do I pay for flood insurance?
2. Who do I call to purchase flood insurance?
3. Why do I need to purchase flood insurance if my property/residence is located within a Federal Emergency Management Agency (FEMA) Zone X?
4. I am in Zone X and I was told I couldn’t get flood insurance?
5. Where can I find the definitions of all of the flood zones?