We have lived on our place for 17 years and have refinanced 3 times and have always been deemed not in a flood zone. We are currantly going through another refinance because of the low rates and now the company the lender uses , Land Safe, is saying that we are in a flood zone. Not only in a flood zone but in the "A" designation, which is the highest. We contacted the last company, CBC land services, which still says that we are not in a flood zone. FEMA is no help they only tell me how to get a map amendment which takes hiring a surveyor and will take 30 to 60 days. From talking to FEMA and the various companies it looks as though they look up the address on the FEMA map, which is available on the net, and make a judgement without considering the elevation or propery boundries. Sounds like reading tea leaves to me. Flood ins. is going to cost $2200.00 per year if I go through with the refinance, so if anyone has any insight on this I sure would be open to ideas. Thanks [img]/forums/images/icons/confused.gif[/img]