This has come up before on this forum. Do a search for other answers. Back in '92, when we acquired the current property, the bank told us also that we had to have flood insurance. I called them about it, and we wondered if maybe the beat up boat house had anything to do with it, seeing as it already had water in its "basement." When I pointed out that the house was high enough above lake level that their downtown Laconia office might be flooded before the house saw water, they said to forget about the flood insurance. No survey needed. If bureaucrats would first just go look and think a little......
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