I found that in 2009 Douglas County Nevada tried to sue FEMA because their flood models were grossly incorrect, which resulted in many properties being incorrectly classified as requiring flood insurance that were not in flood zones. Reading around the net, it seems this is an endemic problem, and from speaking to surveyors online, they claim that 75 -85% of all these claims that they have worked are overturned-- the properties are in fact not in flood zones. Worse, the banks take advantage of this and buy insurance for the mortgage holder at outrageous rates. Both of these things happened...