PHOTO BY CANDACE WEST / Miami Herald. Spencer is a surveyor who has started a niche biz to help people sort through disputes with FEMA over flood zones. Spencer uses FEMA maps to determine whether homes or buildings fit in the broader flood zones that FEMA sets. Getting out of the zone or moving out of a high risk category can save people thousands.

maps01FLOODDADECLWTo DADE102809PHOTO BY CANDACE WEST SPECIAL TO THE HERALD.Spencer is a surveyor who has started a niche biz to help people