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A national bank or Federal savings association shall use the standard flood hazard determination form developed by the Administrator of FEMA when determining whether the building or mobile home offered as collateral security for a loan is or will be located in a special flood hazard area in which flood insurance is available under the Act.
The Federal Emergency Management Agency (FEMA) developed the Zone A Manual, also referred to as FEMA 265, to provide engineering guidelines for determining Base Flood Elevations in Special Flood Hazard Areas that were studied by approximate methods only and are labeled Zone A on the effective National Flood Insurance Program (NFIP) map.