I received a letter from Countrywide stating I had to have flood insurance on my property because according to FEMA I was in zone AE (a flood area). I contacted FEMA who had me download their insurance maps. I am clearly in zone X. I called and faxed the FEMA maps with no results except a headache. They totally refuse to acknowledge the maps, even though its the exact same map they said they used for their determination. Their letter also informed me that if I do not get my own flood insurance they will take out flood insurance from my escrow... read full review »