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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 an 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.

Hosted by Geologist Patrick McClellan, B.Sc., M.A., CA PG# 3854

In this episode:

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


Why this is 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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