Flood Zone Disclosure

# Flood Zone Disclosure **Property Address:** ___________ **City, State, ZIP:** ___________ **Assessor's Parcel Number (APN):** ___________ **Seller Name(s):** ___________ **Date of Disclosure:** ___________ --- ## About This Disclosure Flood zone designation affects a property's insurance requirements, mortgage conditions, rebuilding rights, and long-term risk profile. Under the National Flood Insurance Program (NFIP), lenders are federally required to mandate flood insurance for properties in Special Flood Hazard Areas (SFHAs) that serve as collateral for federally backed mortgages. Many states impose independent disclosure obligations on sellers of flood-prone properties. This disclosure is based on the seller's actual knowledge. Flood zone designations can change as FEMA updates Flood Insurance Rate Maps (FIRMs). Buyers should obtain an independent FEMA flood zone determination from a certified surveyor or licensed flood-zone determination company. **Answer Key:** Yes · No · Unknown --- ## Part I — FEMA Flood Zone Designation **1. Is the property located in a FEMA-designated Special Flood Hazard Area (SFHA)?** ___________ **FEMA Flood Map Panel Number (if known):** ___________ **FIRM Map Date (if known):** ___________ **FEMA Flood Zone designation:** ___________ **Base Flood Elevation (BFE) at the property (if available):** ___________