The Hilltop Home in a Flood Plain (Huh?!?)
When a home appears on a Federal Emergency Management Agency (“FEMA”) map showing its “flood zone designation,” you might assume that the home was located in a flood plain — and subject to (very expensive) flood insurance.
Unh-unh.
It turns out that ALL Minnesota homes have been assigned a flood zone designation; only a fraction of those — typically near water and/or in low-lying areas — are officially located in flood plains.
In this case, the house in question was on a hilltop in one of the highest areas of Minnetonka (and Hennepin County).