Flood Zone requirements for Federal Housing Administration (FHA) insured mortgage

This letter provides new guidelines for FHA mortgagee Flood Zone requirements and updates mortgagee letter 2009-37. FHA now requires that all mortgages received a flood zone determination on all properties held strongly support such measures. In addition, FHA is now located in accordance with the Coastal Barrier Resources Act (CBRA) by prohibiting the FHA Mortgage Insurance properties located in designated coastal barriers.

New requirements

The new leadership in this letter contained mortgagee is as follows: The requirement that mortgage loans received life-of-flood zone determination for all properties that security for the FHA-insured mortgages. A note that any property within a designated Coastal Barrier Resource System (CBR) is not the device, an FHA-insured mortgage.

Effective Date

All requirements contained in this letter mortgage holder for all case numbers on or after 1 March 2011 allocated effectively.
Changes to existing policies



The changes to existing policy, that are part of this mortgagee letter provide new guidance and clarification of existing guidelines. The Revisions Topic position and set the entire contents of each block with the specific changes underlined affected. The changes are present in the FHA single-family house on-line manuals first be integrated in March 2011.

Attached is an appendix that the mortgagee with a tool for efficient identification of flood insurance for property types in this mortgagee letter addressed provides.

Paperwork reduction information collection requirements contained in this document are from the Office of Management and Budget (OMB) under the prevention of unnecessary act of 1995 (44 USC 3501-3520) was approved and assigned OMB Control Number 2502-0059. In accordance with the Paperwork Reduction Act HUD may not conduct or support, and a person is not obliged to respond, a collection of information unless the collection displays a currently valid OMB control number.