Indy, you're too busy to sort this out. Stop being soooo self sufficient

You're too close to not get the insurance...start the process with your insurance agent, they're paid to sort it out...test their knowledge along the way if you think they're just taking a path of least resistance. If you're not in zone A, I think the insurer can underwrite it and take FEMA out of your process

You can also look at the appraisal and/or survey from your purchase. Check your realtor as well. Here, the gis shows flood prone areas and topography with reasonable precision. See if you have that up there.