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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.
For newly constructed structures in the floodplain, typically an elevation certificate is required as part of the permitting process and for flood insurance rating purposes. In order to determine the correct rating situation for you, it is recommended that you consult with an insurance agent.