Flood Insurance Questions

At first, I was paying $700 a year for flood insurance on my home (flood zone A). Over the past 7 years it's crept up to about $1100, as of my prior year's premium. However, the most recent premium was a whopping $3,896.

My insurance company called FEMA, and apparently their only reaction was "Wow that's a lot" and can't tell me why it went up so much. They suggested I get an elevation certificate. However, I did, about 7 years ago. It said I was 2 feet below the flood plain, and the policy was apparently written without the certificate because neither FEMA nor my insurance company have any record of it.

Can't seem to find the damned thing either, so I may have to get another one if no one has any record of it.

But, if I'm 2 feet below, is there really any point? Wouldn't it just increase my premium further?

For the record, I'm not bitching about the premium if that's what I should be paying (Although, if it shoots any higher I'll start to get worried). I know "it never floods here" are famous last words and not directly indicative of how premiums are determined. I'm just surprised at the substantial increase and not very informed about these sort of things. Any insight is appreciated.