The bank just informed me they went and did a land survey of the land
and deemed it was not a flood zone or flood prone. The good news,
flood insruance will only be about 7 bucks a month.

I don't think I'm going to worry about flooding - maybe I was just over
cautious. Now my only concern is the fact that the foundation was
built on land fill dirt that had only been in place for less than a
year. What's the worse case senerio for a situation like this? Cracks
in the foundation? Can that be fixed?