Everyone lives in a flood zone. The fact that a flood hasn’t occurred within recorded history does not mean one hasn’t happened in the past or that one will not happen in the future.
It’s important to note that flood history is only one element used in determining flood risk. More critical determinations are made by evaluating your community’s rainfall and river flow data, topography, wind velocity, tidal surge, flood control measures, building development (existing and planned) and community maps.