Courtesy of Danny Collins
- Florida resident Danny Collins found out that his mortgage went up $1,000 a month.
- FEMA placed his home in a flood zone, and his bank bought him flood insurance without telling him.
- Collins now has to pay $8,000 more a year than he originally budgeted for.
This as-told-to essay is based on a conversation with Florida resident and former baseball player Danny Collins, whose mortgage on a $400,000, four-bedroom home jumped $1,000 per month with no warning after FEMA redrew its flood zone maps, placing his home in a flood zone.