Answers about Flood Insurance

The bank said that I need flood insurance, but I don't believe that my property is in a flood area. What can I do?

National banks determine if flood insurance is applicable based on a review of the appropriate flood maps. If you believe that the flood map used by your bank incorrectly identified your property as being in a Special Flood Hazard Area (SFHA), federal law allows the lender and borrower to jointly apply to the Federal Emergency Management Agency (FEMA) to request a review of the decision.  Requests to FEMA for a flood hazard determination review must be postmarked no later than 45 days following the date the lender notified the borrower that the property is in an SFHA.

For information about submitting a request, please go to the following web site: FEMA - LOMC ; call a map specialist at 1-877-336-2627 or mail the request to:

LOMC Clearinghouse
847 South Pickett Street
Alexandria, VA 22304

October 2012