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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.
If you are buying property or refinancing, your lender often uses a flood. determination company to do his own determination. If the county has done a. flood hazard determination for development purposes, it may or may not be. accepted by a lender. The lender is ultimately responsible for the flood zone.