What if I disagree with my lender’s determination that I am in the flood zone?
So long as the requirement to purchase flood insurance is not part of the institution’s lending requirement, property owners can contest the lender’s determination by requesting FEMA to review the lending institution’s determination. A Letter of Determination Review (LODR) will be issued by FEMA indicating FEMA’s finding. A fee for LODR is required and the LODR will not amend or revise the current NFIP maps.

Engineering - Flood Information

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1. How does the NFIP benefit property owners? Taxpayers? Communities?
2. Is the purchase of flood insurance mandatory?
3. Why is there a requirement to purchase flood insurance in communities that have not suffered flooding in many years or ever?
4. Why is my lender requiring the purchase of flood insurance?
5. What if I disagree with my lender’s determination that I am in the flood zone?
6. How can a property owner determine if the property is in a Special Flood Hazard Area?
7. Are discounts offered for flood insurance premiums?