I called state farm for flood insurance. I was told we must get flood insurance for the area of l.i. we live in. They quoted me a price of 300 for the year. The woman agent told me it is not necessary that they are just trying to scare people into buying flood insurance. Now a month later I get a letter in the mail saying that we must have flood insurance. When I called back to speak to the woman who told me it wasnt needed, she now gave me a quote of 3000 dollars. I find this to be a scam. "Lets not sell them the insurance and wait till its a must to charge them a higher rate" Statefarm is evvviilllllll. I am going to move everything I have from them.