It is typically not reasonable that you would have two second homes in the same vacation area and there are now more technological advances to prevent this from happening. 

., that would prevent me from literally just switching the physical letters on my doors and mailboxes?

If the lowest grade can be raised to the BFE or higher without violating residence codes (most require soil be a certain distance away from your lowest floor to prevent moisture wicking, rot, critters, and termites), then you may be eligible to get an exception from FEMA called a LOMA - if you are successful the LOMA essentially states the property is out of the flood zone and you will get normal flood premiums.Summary: Government backed loans require the buyer to use FEMA premiums for flood zones, they will be high, and cannot be shopped through private flood insurance.

This is a crucial step that is misunderstood and prevents so many from ever reaching financial freedom.

I sent money in on August 15 and it was redeemed on September 4....hmmmThis official has requested that I send in my copy of the Tax Certificate Sale and they will refund my money...no interest.Is there something I could have done to prevent this?

The Capitalistic force that is America PLUS the evolution and disruption of technology in Real Estate will be the major challenges preventing such as a ban. 

While I get that it needs to show that the loan is covered and not an issues, just a couple thousand more higher (still below top end of the house) would have prevented this.

I can set min and max temps (I have 68 min during AC use), they have different levels that you can lock out to prevent someone changing them, but I've never used this option.

I had a new home built in 2014 and it happened there, too.Yes, it is their responsibility to wipe up that water and prevent mold.

Certain jurisdictions seem to prevent insurance companies from discriminating based on housing assistance.