Last year's record flooding has many thinking about flood insurance. However it's different than most other types of insurance. Paul Horak, with Horak insurance, says the federal government is the only provider of this type of coverage. He says if it were privately administered, the price would be sky high, because of there is a very small group of people to spread a high risk around on. Horak says most of Washington County does not participate in the National Flood Insurance Program. But he says there are some other options for those who want flood protection.