It's usually classified high risk and most of the time the premiums are  high enough that we just get CAT on it and run the risk of flood. Unless your lender requires you to carry better insurance as is the case for some.

The problem is that most of our flood prone farms also have ground that is high enough that it will never flood. By the time you average the yield from both the high and low ground, very rarely can we collect any insurance. Therefore, why pay through the nose for insurance premiums if the chance for collecting any benefits is slim?