AE is a high risk flood zone. V is the worst. That would be a building built on water or below sea level like New Orleans. A and AE are areas at or near sea level or or that fall with in the 100 year flood plain. B and C are above the flood plain.
Email me your elevation.
drcoastline@comcast.net Also can you get me better shots of your foundation? inside and out? I think I can work with the A/C compressors with the photos you have posted. Erosion due to flood waters is a big problem? A flood does not need to be the rising of a river or even rain it can be a broken water main. If erosion removes the soil from around your house and damages the foundation your homeowners will not pay for that. Flood does.
Two years ago we had a four unit condominium complex fall into the bay when the bulkhead failed due to erosion. Granted these were tidal waters and there is moving water constantly but had they not purchased flood they would have been SOL.
You have one of the following going on. In adequate venting, your venting is improperly installed (to high), the systems operating the house are to low, some sort of finished space at grade that they are basing the rate on or the grade either in the foundation or immediately adjacent to the house are to high or low.