Flood Zone Question about structures covered

[Jason Crowe]

what can you do with a detached garage with a living space up top to avoid flood insurance given the garage is below. How do you make is flood proof as they say in FEMA to not need flood insurance. Its a brick garage not going anywhere but has three walls and a garage door. What is the best and most cost economical solution?

[Kenneth Garrett]

@Jason Crowe

If your property is located in a FEMA flood zone, it is your mortgage company that requires the flood insurance. You would need them to waive it. Probably unlikely in the event the property flooded, it would impact the whole building.

I have been fortunate to have the flood zone removed from one of my properties.  It took an engineer, $1000 and two months.