When we moved upshore from where we were back in 1992, the bank at first wanted us to have flood insurance. I told them "huh?" and asked why. It seems some paper pusher noted the proximity to water, with a structure right at the shore line. I explained that it was called a "boathouse" and by definition had water really close by, like in it's "basement," at all times. Further, I added that the cottage was so far up on the land above water level that we'd be loading pairs of animals onto arks, or at least most of Laconia would be under water, before the cottage would be affected. They took off the flood insurance requirement.
If the OP's house really is not susceptible to flooding from anywhere (lake, streams, dam bursting), he ought to push to have the bank look close up, and not at just some map FEMA puts out.
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