[madmmac]

In 2008 or 2009 FEMA just peanut buttered in thousands of homes without due diligence. They just did it and when they did, my house all of a sudden became in the highest flood rating. I can't even remember the x amount of dollars they and other insurers wanted, but it was plenty.

I fought them. I do have a creek that is around 400+ feet from my house and some 26 feet lower. I hired a surveyor and did all the paper work and they settled on that I was not in the flood zone. Cost was about $600 for the surveyor.

My other 3 neighbors followed my lead and everyone got out.

You can fight them if you can prove things don't make sense.