Freddie Mac Single-Family Seller/Servicer Guide 8202.2 — Flood insurance requirements

fhlmc-8202-2

Freddie Mac Single-Family Seller/Servicer Guide Section 8202.2 — Flood insurance requirements.

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Verbatim provisions from Freddie Mac Single-Family Seller/Servicer Guide 8202.2 — Flood insurance requirements — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.

Freddie Mac Single-Family Seller/Servicer Guide 8202.2 — Flood insurance requirements

Effective 2026-06-10 · Freddie Mac's stamp for this section

For each Freddie Mac-owned Mortgage it services, the Servicer must have policies and controls in place to ensure that the Mortgaged Premises, when required, has and maintains flood insurance coverage that meets the minimum requirements outlined in Section 4703.3. The Servicer must have policies, procedures and controls in place to ensure the property is adequately protected by flood insurance when required, with no lapses in coverage, and the flood insurance premiums are paid. If at any time during the term of the Mortgage the Mortgaged Premises is not covered by flood insurance in the amount and with the deductible required, the Servicer must follow the Lender-Placed Insurance (LPI) process under Section 8202.6. The Servicer must have policies, procedures and controls in place to identify any map change that becomes effective on or after April 1, 1995 and determine which insurable improvements on Mortgaged Premises in the community affected by the map change become located in a Special Flood Hazard Area (SFHA) and are required to have flood insurance. Flood insurance required under these provisions must be obtained within 120 days of the effective date of the map change. If the area where the Mortgaged Premises is located is an SFHA but the community has become a nonparticipating community and flood insurance provided by the National Flood Insurance Program (NFIP) will not be renewed for that community, the Servicer must require the Borrower to obtain private flood insurance. If the additional coverage cannot be obtained, the Servicer must immediately make appropriate recommendations to Freddie Mac (see Directory 5). See Section 4703.3(d) for flood insurance requirements during an NFIP lapse.

Source: Freddie Mac Single-Family Seller/Servicer Guide 8202.2 — Flood insurance requirements · source URL · snapshot 4c94f67729042dd6

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Source of record: https://claudeforcompliance.com/regs/fhlmc-8202-2/ · register fhlmc-8202-2 · verbatim, source-snapshotted regulator text from the Claude for Compliance corpus. To work from every register at once, download the corpus and follow the methodology.