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An external auditor found that the bank has a potential flood violation due to flood policies with differing flood zones and risk zones. For example, the flood zone on the bank’s flood determination is AE, but the risk zone on the flood insurance policy is X. Where can I find a list of current flood zones in order to resolve this discrepancy?

To find a list of current flood zones, start with FEMA’s Map Service Center ‘Search by Address” site. It will allow you to overlay the current flood zones over a map and see if a specific property or building is or is not located in a Standard Flood Hazard Area (SFHA.) It will let you print out a copy of a FIRMette, which is basically a flood map focused on the specific property/area. That in turn can be provided to the insurance agent or FEMA for clarification. (March 2019)

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