Buyers on St. George Island always ask about flood insurance. This is a complex issue that is accurately determined with a current elevation certificate for the home. You should contact your insurance agent or company for the best information. The National Flood Insurance Program is a part of FEMA.
Here is a link to a brochure that lists the Top Ten Facts for Consumers.
http://www.fema.gov/media-library/assets/documents/2826?id=1622#.Uh91nApNbIs.mailto
You can also go the NFIP’s website for more information www.floodsmart.gov. This is the official site of the National Flood Insurance Program.