When the realtor called to say that the previous offer had fallen through and wanted us to buy, he said a couple of times that the owner didn't have to have flood insurance.

We hadn't said anything about flood insurance. So it seemed like either the disclosure scared the other buyer or they found riskfactor.com or something like that.

Beautiful house, beautiful view. Also a quarter mile below a earthen dam 250 feet high and a few feet above a creek that was raging in 1996, several years before this house was built.