gilly,
the only way insurance companies will ever listen to you is if you hire a lawyer (who in turn will likely retain a surveyer). yes, it's going to cost money to demonstrate you're not in a flood zone but it in the end a pro could save you some money.
the rest of us are paying for gulf coast homeowners. insurers are simply recouping their payouts from katrina (amongst others) and ... the ins. companies are adjusting their risk portfolios to protect against a catastrophic northeast hurricane (which, if you've been reading the papers in the past year, has been talked about very little in the press).
don't get mad, get even.
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