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