How do I get a preferred risk premium on flood insurance?

I live in a low risk (Zone X, not within a 500-year floodplain) condo.
I log on to floodsmart.gov, and there are two schedules for Zone X:
- “Preferred” risk
- “Moderate to Low” risk
Preferred risk premiums are about 1/3 the price of moderate to low risk premiums. According to the website, most people in moderate to [...]