I stole this reply from Randy:
You might want to review Q&A 71 - it does not say you must force place - it says notify the agent and insurance company and document.
If, despite these efforts, the discrepancy is not resolved, or in the course of attempting to resolve a discrepancy, a borrower or an insurance company or its agent is uncooperative in assisting a lender in this attempt, the lender should notify the insurance agent about the insurer’s duty pursuant to FEMA’s letter of April 16, 2008 (W–08021), to write a flood insurance policy that covers the most hazardous flood zone. When providing this notification, the lender should include its zone information and it should also notify the insurance company itself. The lender should substantiate these communications in its loan file.
https://www.bankersonline.com/sites/default/files/tools/flood_faq_2011_10_17.pdf