**SNIP** As FEMA has moved to update its decades-old flood maps, experts have cheered the effort. Using the latest in mapping technology such as laser beams (LiDar) and computer modeling will account for climate change, they say, and will lessen the blow of devastating storms by compelling homeowners to reduce their risk. But critics caution that the maps, which are used to determine flood insurance premiums, are tough to challenge and in some cases are ensnaring homeowners who shouldn’t be in a flood zone. And though FEMA intends for everyone to pay their share, some businesses have found a way...