We have an issue and not sure how to handle? Our flood determination came back with the property being in Zone A so its in a flood zone. A survey from 1984 shows the corner of the house just touching the boundary of the 100 yr flood zone. An updated survey has been performed and the surveyor is stating that the structure itself is out of the flood zone based on his measurements. Here come the good parts: according to the surveyor, a "study" of the property has never been done to establish a base flood elevation so we can't use that for support. Also, without a BFE established, we also can not use the rule of 3 ft above the highest adjacent grade because the house is set into a hillside. What would be the best course of action if our flood vendor ends up being unwilling to change the flood cert based on the survey. We have been told a LOMA would be denied due to the highest adjacent grade issue. I know in the end the bank has to do what is needed to protect itself and avoid a flood violation, but are there any options available?