Insurance will use whatever data they can get in an attempt to be more accurate. My address is plagued by a fire risk map. Companies will insure my neighbor, bu

Insurance will use whatever data they can get in an attempt to be more accurate. My address is plagued by a fire risk map. Companies will insure my neighbor, but not me. At some point a person or machine drew a live on a map and I crossed it. A firefighter looked this location and concluded that if either house burns they will both likely burn. If the insurance companies believed him would they cover me or drop my neighbor? It is a crazy industry. Vegas anyone?