Savannah is much more likely than average to have a Hurricane Harvey rain event and is too flat with inadequate drainage to quickly drain the water. It doesn't matter where you live, your house has a chance of being flooded.
Here’s a quote from FEMA: "Flood insurance is available to anyone living in one of the 23,000 participating NFIP communities." If an agent says you can't get flood insurance, give me their name and number I have a few questions.
Here's the list of Georgia flood insurance providers: LINK
Scientists explain why flooding is more likely. LINK Short answer: Climate Change.
If you own a home, you can't afford to NOT have flood insurance. There is a 30 day waiting period for it to go into effect, so get started now. FEMA Floodsmart