Direct answer
It depends on your lender; while federal law does not mandate flood insurance for low-risk zones, individual mortgage lenders often require it as a condition of your loan agreement for additional security.
FEMA flood map regulatory guidelines and standard mortgage lending underwriting requirements. For additional information about how flood zones are determined and categorized, see the FEMA flood map resources.
What this means for you
It depends on your lender; while federal law does not mandate flood insurance for low-risk zones, individual mortgage lenders often require it as a condition of your loan agreement for additional security.
FARMER STOCKMAN
Protecting Your Future with Confidence
No pressure. No jargon. Just honest answers from advisors who genuinely care about your family’s protection.
This page is informational and not a coverage guarantee or quote.
