How to challenge your flood determination: Contact city or county officials and find out who handles environmental or land-use issues. For a small fee, you could get a document showing the proper elevation of your house, which you can present to your lender. Some banks require official action from the Federal Emergency Management Agency, which can exempt certain properties from high-risk areas through a process known as a Letter of Map Amendment. For details, visit www.startribune.com/a1572.
How to get affordable flood insurance: Don't let your lender buy it for you. Anyone can obtain subsidized flood insurance from the government by going through an insurance agent. For details, visit www.startribune.com/a1573.