janet ashley says those factors don't add up on her property.she is purchasing flood insurance while she prepares to do battle. >> will i fight it? yes. i'm forced to keep on fighting it. they throw me on a flood plain map so my property value has dropped even further, i'm going to have to fight it. >> reporter: look for congress to decide the fate of the national flood insurance program by the end of summer. fema's website, floodsmart.org, is the best place to start getting answers to questions about flooding and flood insurance. if you have a story for us, log on to cbssf.com, click connect, scroll down to "closer look" and send me an email. allen martin, cbs 5. >>> jim, you have been watching them redraw these maps for some time. >> it's been quite a controversy for a couple of years. i have heard a lot of people complaining about these new maps using new technology, gps and google mapping. as they said, interesting, one of the factors they didn't flow there being considered in the mapping was climate. hydraulics, hydrology, et cetera. >> tha

. >> reporter: but property owners in the bay area including janet ashley who lives on a creek in santa cruz county never needed flood insurance. janet points out, she didn't live in a flood zone. >> because fema is steaming rolling over every homeowner. >> reporter: until now. >> so i live in a canyon midway between the top and the bottom so at the bottom here is the road, in and out of the canyon, and right by road is a little creek that dries up during the summer. > let's go. >> reporter: in early may, santa cruz county notified janet ashley that fema was updating all its flood insurance maps nationwide and that she is in a special flood hazard area. see doesn't agree. >> some guy would float by with an ark and a lot of animals before that much water could come and take my house off the hill. but because my property butts up, the tail end touches that creek, i'm on the map. >> reporter: insurance agent gary churchill has been trying to explain the process to many of his clients. >> there are some problems with th mapping. they can't do individual properties. there are several areas i

janet ashley admits her santa cruz county home is in a canyon with a creek below. >> i'm midway betweenop and the bottom. >> reporter: a creek that she says dries up in the summer. but the federal emergency management agency now says there's a 1% chance every year for the next 100 years her property may flood. she is not buying it. >> that kind of volume of water coming through that canyon, that would alter the world as we know it today. >> reporter: janet ashley and about 70 other property owners in santa cruz county have recently been told they are now included in fema's flood zone maps maps santa cruz county doesn't have a problem with. >> we have reviewed the analysis that fema has performed for the new maps and found no reason to appeal them at this time. >> reporter: but janet says she has reason to. she and others feel fema is looking for more money. >> it says right on fema's website, you can go ahead and fight this but you must have your insurance in place while you do. >> wow. >> that's what it's all about revenue generation. >> reporter: fema says not so. >> we have a few yea