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A national bank or Federal savings association shall use the standard flood hazard determination form developed by the Administrator of FEMA when determining whether the building or mobile home offered as collateral security for a loan is or will be located in a special flood hazard area in which flood insurance is available under the Act.
Flood insurance will be required on a property in this flood zone if a mortgage is taken out on the property. B Zone. Property is not in the special flood hazard area, but is subject to flooding from rising water during a storm with a chance of occurring of between 1% and 0.2%.There are no required elevations for properties in this flood zone.Flood insurance is recommended but not required for properties within this flood zone.roperty is not in the special flood hazard area but is subject to flooding from rising water during a 0.2 % chance storm. There are no required elevations for properties in this flood zone.