Which flood zones require flood insurance?

Which flood zones require flood insurance?

• A. A and V
• B. B and C
• C. X and D
• D. A and X

Answer: (A)

Flood insurance is required when a property sits in FEMA’s Special Flood Hazard Area. Those areas are designated as zones A and V (and their numbered variants like AE or VE) on flood maps, because the flood risk is high enough to meet federal loan-terms requirements. Zones B, C, and X lie outside the SFHA or in lower-risk areas, so lenders generally don’t require flood insurance for loans on properties there (though buyers may still choose to purchase it). Zone D represents areas with undetermined risk, where insurance requirements depend on the lender. So, the zones that require flood insurance are A and V.

Flood insurance is required when a property sits in FEMA’s Special Flood Hazard Area. Those areas are designated as zones A and V (and their numbered variants like AE or VE) on flood maps, because the flood risk is high enough to meet federal loan-terms requirements. Zones B, C, and X lie outside the SFHA or in lower-risk areas, so lenders generally don’t require flood insurance for loans on properties there (though buyers may still choose to purchase it). Zone D represents areas with undetermined risk, where insurance requirements depend on the lender. So, the zones that require flood insurance are A and V.