Approximately twice a year, we get a “flood” of phone calls and e-mails from homeowners or home buyers looking to avoid the financial “hazard” of paying flood insurance. (Sorry. Too cheeky.) It really is not a laughing matter. Flood insurance costs can make or break a potential home sale or the ability to afford to stay in a home. In 2012, the Federal Emergency Management Agency (FEMA) redrew the lines on their flood maps (Berks County and Lehigh Valley, PA areas). In some ca