National banks determine if flood insurance is applicable based on a review of the appropriate flood maps. If you believe that the flood map used by your bank incorrectly identified your property as being in a Special Flood Hazard Area (SFHA), Federal law allows the lender and borrower to jointly apply to the Federal Emergency Management Agency (FEMA) to request a review of the decision.
THESE COMMENTS ARE NOT LEGAL ADVICE. They are provided for informational purposes only. Actual legal advice can only be provided after consultation by an attorney licensed in your jurisdiction. Answering this question does not create an attorney-client relationship or otherwise require further consultation.