Name:   Awhummer - Subject:   FEMA Affecting Flood Insurance Date:   5/17/2022 12:15:48 AM

We recently started construction on Smith lake. The builder did a Survey and staked the house (and porch) above the 524'. The lender contacted the builder stating that the flood company they use (who works with FEMA) considers the house to be in the flood zone. The builder provided the survey to that company and still no agreement. The builder has recently met with the lender and believes there's a 3' difference and he'd just have to move the house (we have excavated already so I take this to mean they would have to do additional excavation). We are waiting to get more details from the builder on the conversation with the lender. Has anyone run into this issue of the survey not really being out of the flood zone? I don't understand why that would be. Before anyone asks, I won't share the builder or surveyor's names. I'm just trying to better understand what we should have done to avoid this or what we can do before we make any additional costly mistakes. Thanks in advance for anyone's insights