VA Lenders Handbook (VA Pamphlet 26-7), Chapter 12, Topic 8 — Special Flood Hazard Area

va-m26-7-ch12-t08

VA Lenders Handbook (VA Pamphlet 26-7), Chapter 12, Topic 8 — Special Flood Hazard Area.

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Verbatim provisions from VA Lenders Handbook (VA Pamphlet 26-7), Chapter 12, Topic 8 — Special Flood Hazard Area — 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.

VA Pamphlet 26-7, Chapter 12 (Minimum Property Requirement), Topic 8 — Special Flood Hazard Area

Effective 2019-10-18 · publisher's stamp for this provision

Topic 8. Special Flood Hazard Area Change Date: October 18, 2019 This Chapter has been revised in its entirety. a. Flood Insurance Properties located in a FEMA Special Flood Hazard Area (SFHA) must be covered by a flood insurance policy. Properties located in a SFHA are not eligible if flood insurance is not available. b. Regular Flooding Based on the appraiser’s knowledge of the market area, properties that are subject to regular flooding are not eligible, whether or not the area has been designated an SFHA. c. Verification of Flood Zone While appraisers must provide flood zone information on the appraisal report, flood zone maps do not typically indicate the location of specific properties. Lenders are responsible for verifying the flood zone information. d. Flood Zones SFHAs are usually designated Zones A, AO, AH, A1-A30, AE, A99, AR, AR/AE, AR/AO, AR/A1-A30, AR/A, V, VE, and V1-V30. Flood insurance is not required in Zones B, C, X, and D. e. Excluding Non-Residential Improvements At the Veteran’s request, non-residential improvements such as detached garages and small sheds may be excluded from the flood insurance policy if they are also excluded from the appraised value. The cost of flood insurance with and without coverage for the detached building should be compared as excluding a detached building may not be worthwhile. f. Private Flood Insurance Veterans may elect to obtain private flood insurance instead of obtaining flood insurance through the National Flood Insurance Program.

Source: VA Pamphlet 26-7, Chapter 12 (Minimum Property Requirement), Topic 8 — Special Flood Hazard Area · source URL · snapshot 9df31307e7a2b3e6

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