In the past 2 years our wonderful FEMA decided to change their flood maps to include many more properties. So, naturally they included me. There will never be a flood here in this Southern Kalifornia area and my agent agrees and concurs that the expansion was to help pay for damages where floods happen all of the time. Well, I got a quote for over two thousand dollars for one lousy year. That is around three times my homeowners policy. My mortgage holder requires the flood policy. I finally got it much lower when the bank agreed on a policy at around my balance.
Notify your State Insurance Board, or the State Consumer Affairs office.
Such a rise in premiums would justify an inquiry