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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.
Flooding has been much less of a concern since an Army Corp of Engineers flood control project in the 50s. If you buy a house in a flood zone, flood insurance is required by law. The city also posts multiple flood zone maps on their website.