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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.
Now itâs quick and easy to order your own detailed Flood Zone Report. Each property is manually researched by an experienced Map Analyst or Certified Floodplain Manager. Itâs more accurate than the split-second computer generated Flood Determination from your mortgage company. If this comprehensive Report reveals a home (or building) outside the FEMA high-risk flood zone, the homeowner can use the information to dispute the mandatory flood insurance requirement. Simply forward the information to the lender or insurance company.