Why am I being charged a flood certificate fee when the home I am taking a mortgage out on is not located on a floodplain?2018-04-30T17:31:47+00:00

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The determination is based on the structure's physical address and may not reflect how your property is shown on the effective Flood Insurance Rate Map (FIRM). Lenders are required to check whether a home is in a floodplain. If there has been updates to the FIRM a home that was not considered to be in a floodplain may now show that it is.