For those who explain Flood Insurance and FEMA Maps to consumers at closing, I always believed Flood Insurance ( which is only available only through FEMA, the Federal Emergency Management Agency) was only available on properties that lie within the designated areas of the Flood Zone maps. Well, the Atlanta-Constitution Journal has advised that many properties OUTSIDE the flood maps have been destroyed in recent days by floods.  Does that mean “buyer beware?”  What if the map-checker  misread it and the buyer didn’t get needed coverage?  Those maps are pretty rough after all.  Under the crazy flood seasons we’ve had recently, should the maps be extended? Should those near a flood zone who wish to apply for flood insurance be able to obtain it “just in case?”  Food for thought.  One more thing to worry about.  I think I will check into my flood insurance…