Are you in the bottom of a canyon, or top of a mesa? If you’re at a high point, flood insurance seems pointless.
As far as earthquake insurance… more info is needed. What year was the house built? Building standards have changed through the years – but most of the earthquake standards were in place form the mid 80’s on.
FWIW – we live on a mesa above a canyon and don’t have flood insurance. And since my husband did his “seismic retrofit” to our early 60’s house, we canceled the earthquake insurance. (He added sheer walls, increased foundation bolts and strapping between 1st/2nd floor, added diagonal bracing… brought it up to better than current code.) He did all this because we’re pretty close to the Rose Canyon fault.
