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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.
A SFHA is an area that has been determined to have a 1% annual chance of flooding in 100 years and FEMA requires mandatory flood insurance on property located in a SFHA. Your property was not studied by FEMA individually. This is why there is a 60% margin of error in the flood maps.