Appendix: Flood Zone Requirements

New & Proposed Existing Construction Manufactured Homes Condos All Other Properties Construction

Life-of-Loan Flood Zone Required Required Required Required Required Determination

Property located within Coastal Barrier Resource Property Not Eligible Property Not Eligible Property Not Eligible Property Not Eligible Property Not Eligible System (Protected Areas) for FHA Insurance for FHA Insurance for FHA Insurance for FHA Insurance for FHA Insurance

Adequate Flood Adequate Flood Adequate Flood Insurance Property located within Property Insurance for term of Property Insurance for term of for term of loan (if Special Flood Hazard Area Not Eligible loan (If insurance under Not Eligible loan (if insurance under insurance under NFIP not (SFHA) for FHA Insurance NFIP not available, for FHA Insurance NFIP not available, available, property not property not eligible) property not eligible) eligible)

Unless Unless Unless Unless Unless Unless

Letter of Map Amendment (LOMA) or Letter of Map Property Eligible No Flood Insurance Property Eligible No Flood Insurance No Flood Insurance Revision (LOMR) for FHA Insurance Required for FHA Insurance Required Required

Or Or Or Or Or Or

FEMA National Flood Property Eligible for Property Eligible for Insurance Program (NFIP) FHA Insurance. Flood Insurance FHA Insurance. Flood Insurance Required Flood Insurance Evaluation Certificate Flood Insurance Required (if property Flood Insurance (if property remains in Required (if property (FEMA Form 81-31) Required (if property remains in SFHA) Required (if property SFHA) remains in SFHA) remains in SFHA) remains in SFHA)