Her mortgage company insists she lives in a flood plain.

A Bellevue woman says if that's true we all better get the boats ready.

Six On Your Side went up a hillside to show why required flood insurance doesn't always make sense.

Standing in the driveway you have to look up at Carol Curtis sitting on her front steps.

From the corner you see her house sits even higher than the street.

Yet Carol's mortgage company is charging her $1,200 a year for flood insurance.

"It is a lot of money for anybody that knows they're not in the flood plain. It's asinine," says Carol Curtis.

FEMA said carol's house is in danger if a nearby ditch overflowed.

But from her vantage point Bellevue University would be flooded first and so would her neighbor’s house.

"It would take a lot of water to get us wet up here," says Curtis.

So Carol hired a surveyor to take elevations.

The survey Carol paid 300 dollars for shows her house sits seven feet above the flood hazard.

The surveyor’s report convinced FEMA to remove Carol's house from the flood map.

That's still not enough for her mortgage company which attached flood insurance to her escrow account despite her objections.

"If they would just come out here and look for themselves and they would understand why I'm fighting this cause my property is not in a flood plain," says Curtis.

Carol Curtis says it doesn't take an engineering degree just a level head to see her hillside property is nowhere near a flood hazard.

Six On Your Side contacted Washington Mutual Mortgage Company which is now reviewing the flood insurance requirement on Carol's home.

If removed, her escrow account will be credited.

If not, she can appeal to an executive board.

The decision on her appeal is expected in two weeks.