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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.
Flood Insurance Zone Map Symbols. Mortgage Lenders Will Likely Require Flood Insurance In These Zones. Zone VE - Coastal Flood Zone with Velocity Hazard (wave action), FEMA determines Base Flood Elevation. Zone AE - FEMA determines Base Flood Elevation. Zone A - County determines Base Flood Elevation. Flood Insurance Not Mandatory In These Zones. Zone X - Areas of 0.2% Annual Chance Flood Hazard. Zone X - Outside the Special Flood Hazard Area (SFHA). Floodway. Channel of a stream plus any adjacent floodplain areas that must be kept free of encroachment.