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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.
To determine the flood risk for your property, the NFIP provides a searchable online database. If you're a homeowner in a floodplain, it's not so much a question of if a flood will damage your property as when.Once you know your risk, be prepared through the purchase of the proper level of flood insurance.o determine the flood risk for your property, the NFIP provides a searchable online database. If you're a homeowner in a floodplain, it's not so much a question of if a flood will damage your property as when.