Dear FEMA,

(Read the first letter to FEMA by clicking here.)

I should feel sweet victory. But honestly, I am simply disgusted with you and your policies. I think it's horrible that someone in an air conditioned office can simply 'redraw' the flood lines. And because of this, we are REQUIRED to pay for FEMA flood insurance (by our mortgage company) because all of a sudden our home is an 'high risk flood zone'!

Well, we KNEW our house was not in a high risk flood zone, so we paid $300 for a surveyor to prove it. Then we had to pay you another $321 for flood insurance, because our mortgage company only gave us 60 days to get this 'flood insurance' and you take 60 days to approve or deny a request, we simply did not have enough time after getting the survey, and filling out your forms, to prove in time that indeed our home was NOT in a flood plain.

We now have our LOMA form that officially removes our home from a high -risk flood plain, but your error  cost us over $600 to prove it! So, if you'd like to do the right thing and reimburse us for the expenses of your error, you know where to send the check.  The only sweet victory that is mine is that I don't have to keep paying you $321 a year for the rest of our mortgage!

Sincerely,
Cathy