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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.
FEMA, the flood insurance rate that you pay may be higher. 100-year flood elevation. may assess a higher flood insurance rate. neer perform a flood study to estimate 100-year flood elevations on your property. show flood elevations are lower than assumed, which could result in a lower flood insurance rate.