The flood insurance is not required, according to the covenants, conditions and restrictions. Nevertheless, with the recent heavy rains, some residents feel the homeowners association should carry the insurance for the complex. Is it possible for the HOA to purchase flood insurance for the complex even though it is not in a high-risk flood zone? Original article: https://www.reviewjournal.com/homes/homes-columns/barbara-holland/hoas-can-buy-flood-insurance-but-its-expensive-2906064/