I had to force myself to read this. I get nervous just thinking about it. That's why I bought flood insurance. We live on Long Island (NY). This is almost by definition a flood zone. According to one site 31.5% of all homes in my county are at high risk for flood. So, when we went to shop for a home a couple of years ago, one of the things we checked every single time we looked at a home was flood risk. There is always a flood risk, anywhere, but we were determined to get the lowest risk possible. There is a site, First Street.org https://help.firststreet.org/hc/en-us/articles/360047585694-How-is-my-Flood-Factor-calculated that offers an assessment of many environmental risks. In my area, I don't think FEMA has drawn a map since 2009, so that's not much help. Realtors cite First Street data to helps buyers assess a property.
According to First Street, my property has the lowest flood risk, but still there is risk and we get hurricanes all the time her. Hence the flood insurance. I need that to sleep at night :)
I am glad that you found a solution.