Flood insurance can't be canceled and pro-rated? Is that right?

[Paul O'Connor]

Ok... so I posted a week ago about some refinances where I couldn't make the numbers work, because flood insurance quotes are just too high and ridiculous. Well, I ended up getting flood insurance on one of my properties (because of the refinances) and now, I'm being told that you CAN'T cancel the policy and have your premium pro-rated back to you. Anyone ever heard of this? Do I have any options, outside of contacting a lawyer? I literally got the policy 30 days ago. I'm open to your thoughts. The property is in Florida.