That happened to my mom in the early 2000s, they told her oh yeah it barely floods, just get the insurance don't worry. Yeah, 200 ft from the Passaic River isn't, "barely floods" - we moved right before the March 2010 floods and my mom told the guy, don't put anything in the basement, a flood is coming. He said, yeah sure lady, whatever. And about 2 weeks later, water filled the basement and went up the the first floor for the first time. Irene the next year put I believe 7 ft of water on the street.