How can there be a $3,000 swing in flood insurance rates? I came - TopicsExpress

How can there be a $3,000 swing in flood insurance rates? I came to find out the hard way....apparently the State Farm agent I was using deals directly with FEMA. They get their rates by using the elevation of my crawl space floor. Leaving me with a $3,600 premium due. Just for the heck of it I got a quote from another insurance agent (not State Farm). This insurance agency used my true elevation of 6 to get my quote.....offering me a premium of $697 for the exact same coverage.....what the hell. Unfortunately, I paid the high premium last year, thats not going to happen again this year. How is this even legal? Who can I complain to? How can I get a refund? HELP!!

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