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The flood insurance rate maps are created cooperatively by the National Flood Program and the governing city/county where the property is located. If you are looking to get a flood zone determination to see if you can be changed to a better zone, search the internet for "flood zone determination companies".
There is a cost for this service, but can save you hundreds on the cost of insurance.
Another suggestion is to speak to your neighbors about their flood insurance. You may discover that changing to a mortgage company that does not require flood insurance may be the best solution.
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