California E&S Insurance

Lender says home is in flood plain AE, insurance says zone x unshaded, next steps? As above. Just started underwriting and lender says that property is in zone AE according to corelogic. However, when my I inquired about getting flood insurance through my home insurance company they said the property was in flood zone X unshaded, and that I should ask my lender to double check. According to FEMA FIRMette and my city's flood maps the property is in flood zone X. My main question is what should next steps be? Should I just bite the bullet and get the flood insurance to close, or hire a surveyor for an elevation certificate?

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  "title": "Lender says home is in flood plain AE, insurance says zone x unshaded, next steps?",
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