Flood — FEMA Special Flood Hazard Area (SFHA)
Natural Hazard Disclosure and flood-insurance implications for SFHA properties.
If a property is in a FEMA Special Flood Hazard Area, the seller must disclose it on the Natural Hazard Disclosure, and federally-backed lenders require flood insurance in nearly every case. The exact flood zone (A, AE, X, etc.) matters for both disclosure and cost.
LetterScript checks the property against FEMA's National Flood Hazard Layer polygons to resolve its flood zone and SFHA status — actual zone boundaries, not a generic map shading.
The property is within a FEMA Special Flood Hazard Area (SFHA).
Natural Hazard Disclosure (Civ. Code §1103); National Flood Insurance Program.
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Informational only — not legal advice. Rules change and the list may be incomplete; always confirm each requirement with the city or county before close.