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None. 3 years ago we were informed we needed flood insurance by our mortgage company because FEMA redrew the flood maps and a fraction of the home, built in XX/XX/1955, and maybe 25 % of the property, is now in the area where we are deemed to have a 1 % chance of flood damage in 100 years. Our mortgage payments had been set up as a reminder on our checking account, I do not write a physical check, so I did not review the monthly statements. We started to receive threatening notices about the need for insurance and a clause in the law that says the mortgage company can force the homeowner to pay into this escrow account and they would purchase the insurance for us, with a warning that their rates may be higher. After several months of threats, and no progress when contacting Chase Morgan, w