You need an Elevation Certificate to determine what your options are. In cases where we do a FEMA Elevation Certificate and find that you have unique circumstances we can be engaged to take additional steps to potentially reduce your flood insurance cost. If justified we can file a LOMA (Letter of Map Amendment) requesting they remove your property from the zone designation. Other options include: (LOMC) Letter of Map Change; (LOMR-F) Letter of Map Revision - Fill; (CLOMA) Conditional Letter of Map Amendment. As you know, FEMA maps are done at a very large scale and are imperfect because they must cover the entire United States. That is why you need a knowledgeable responsive Licensed Land Surveyor.