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.