When is flood insurance required with a 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

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References

  1. FEMA FloodSmart: Eligibility www.floodsmart.gov/get-insured/eligibility Checked 2026-10-10.
  2. FEMA FloodSmart: Eligibility www.floodsmart.gov/get-insured/eligibility Checked 2026-10-10.

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