Just because you were never in a flood zone... doesn't mean that the neighborhood cannot change. However, you should request to see the plans that show the flood zones in your city. Has your area flooded in the past year or two? I know my city added several neighborhoods as "flood zones" after the 2008 floods (we had a levy break and several neighborhoods flooded that had never flooded - they are now considered a flood zone). Good luck to you.
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