FEMA’s Special Flood Hazard Area

Floods are the #1 natural disaster in the U.S., according to the Federal Emergency Management Agency (FEMA), which administers the National Flood Insurance Program (NFIP). Within the Special Flood Hazard Area (SFHA) - any Zone "A" or "V" on a NFIP flood map - there is a 1% annual chance of flooding at or above the expected 100-year flood level. A federally backed mortgage in the SFHA requires flood insurance and state law requires its disclosure on sale.

In this episode:

  • The Special Flood Hazard Area
  • Flood insurance requirement in SFHA
  • Insurance is for the building
  • Disclosure is for the parcel

Why is this important?

  • A home in this high-risk flood zone may be required to have flood insurance by a lender. It's important for a buyer to know about the potential additional cost up front.
  • Disclosure to a buyer is required under state law if a property is in this zone.
  • County or city General Plan Safety Element may provide maps of additional flood hazards.
  • This disclosure is included in First American NHD and JCP-LGS disclosure reports.
  • If a property is in a Special Flood Hazard Area, our report includes a FEMA Flood Determination Certificate showing if the structure is in the flood zone (no additional charge).
  • Need a flood map for your lender on one of our reports? Just give us a call!

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