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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.
Property in this special flood hazard area is subject to flooding from rising water and wave action during a 1% chance storm. Properties in this flood zone are required to be elevated to a designated height and all enclosures below the designated height are required to have break-away walls.roperty is not in the special flood hazard area but is subject to flooding from rising water during a 0.2 % chance storm. There are no required elevations for properties in this flood zone.