Anyone know if it's possible to get cheaper flood insurance or are all policies underwritten by Citizens?? My escrow is killing us because I live by the river in Abita and I'm in a flood zone.... But my house is 123 years old and has never flooded AND is raised. Any suggestions in refinancing in this market would be appreciated too.... I've heard stories of people refinancing and their homes are appraised for much less than years ago. Any help would be appreciated.