SESKStuff Everyone Should Know
SESK: Stuff Everyone Should Know · sesk.info/home-flood-lender

When is flood insurance required with a mortgage?

In a high-risk flood zone with a government-backed mortgage.

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  1. Any time the house is near a lake
  2. In a Special Flood Hazard Area with a government-backed mortgage ✔
  3. Only if you ask for it

Why: In a Special Flood Hazard Area, a government-backed mortgage requires flood insurance. Some banks require it even outside high-risk areas, so ask your lender.

Huh, didn't know that: A regular homeowner's policy won't meet a lender's flood insurance requirement. Only a flood policy does.

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What do you call a bear in the rain? A drizzly bear.
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References

Answer: In a Special Flood Hazard Area with a government-backed mortgage. In a Special Flood Hazard Area, a government-backed mortgage requires flood insurance. Some banks require it even outside high-risk areas, so ask your lender.

  1. FEMA FloodSmart: Eligibility www.floodsmart.gov/get-insured/eligibility
    You're required to have flood insurance if you own a home or business in a Special Flood Hazard Area (SFHA) and have a government-backed mortgage.
    Checked 2026-10-10.
  2. FEMA FloodSmart: Eligibility www.floodsmart.gov/get-insured/eligibility
    It also won't fulfill the mortgage or federal disaster assistance requirements for flood insurance.
    Checked 2026-10-10.

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