i received a letter from my mortgage servicer stating that my " flood insurance had expired '' I have been with the same lender on the same property for over 5 years and NEVER had flood insurance, therefore it could n't have expired. I called them and told them their letter was in error. they responded that they will be putting a forced policy in place. they stated they sent me a letter of notice XX/XX/XXXX which I never received. I did receive a second and final notice on XX/XX/XXXX. I called them when I got it. they said the letter was in error, but that FEMA had notified them that I am in a flood zone. I called FEMA. they said " YOUR LENDER LIED TO YOU '' that they do n't notify lenders of such things. 
they continue to tell me that they will put the force policy on me anyway. I have been lied to here, and their entire premise is based on a false statement that my flood insurance expired! 
