Moving from New York to Florida is a massive lifestyle upgrade. You’re trading shoveling snow for sunset walks on the beach, and high state income taxes for… well, none. But if you’re a parent, there is one thing that probably keeps you up at night more than the logistics of moving a grand piano: the schools. In New York, you might be used to small, localized school districts where the board of education is practically your neighbor. Florida does things a little differently.

If you’re currently packing up your life in Queens, Long Island, or the Upper West Side to head south, you’ve probably got a massive "to-do" list. You’re thinking about the movers, the change of address, and exactly how many pairs of shorts you need to buy. But there’s one topic that often gets pushed to the back burner until the very last minute: Flood Insurance. Coming from New York, you might think of flooding as something that only happens during a once-in-a-century event