In Melbourne/Palm Bay - it really comes down to drainage in your area.
We're high enough over sea-level that no surge could ever do anything to us directly (poor barrier islands though). However, if your house is at the bottom of a hill, or doesn't have much in the way of drainage, you could have serious issues.
My new house in Palm Bay is about 10 feet above street-level and the front yard slopes. It'll take a LOT of undrained water before I'd need to worry about flood insurance, and I am canal-front.
As mentioned above, just ask your neighbors and they can tell you what to expect if they were here for Frances and Jeanne.
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