Some of the more unethecial insurance companies will take the national flood insurance and mark it up and sell it. When we sold our house one of the big points we couldn't change was that it needed flood insurance. Its no where near water but fell under the elevation rule. We offered to transfer the existing policy which had a 6 months left on it and the buyer came back and wanted a whole year. So we contacted our agent to cancel the existing and start a year in her name and then found out the buyer had to have it through nationwide and it cost an extra $50 due to their markup.