We compare the zone on the appraisal to the zone on the determination as a data integrity check of our flood vendor (part of ongoing due diligence), as I have found issues with our flood vendor in the past making a determination of X on properties in A. The following is an excerpt from our flood procedures on what to do with the results of the comparison:
As part of an ongoing vendor due diligence process to test data integrity, flood determinations will be compared to information in the appraisal report in file. By comparing the information on the flood determination to the flood information in the appraisal report and reconciling any differences, the bank will be assured that the determination is correct and can be relied upon. Loan personnel will compare the zone on the determination with the zone listed in the appraisal report. If the zones match, the determination can be relied upon as accurate. If the zones do not match, additional research will be conducted by loan personnel or the compliance officer using FEMA’s online Map Service Center to reconcile the difference. Additional information will be supplied to the flood determination vendor for a revised determination when necessary. At times, the reconciliation may find that the determination is correct and the appraisal is not. In those instances, a comment in the file is sufficient to document the findings.
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I can't herd the cats anymore, so I just set up the electric fences and let them fry when they stray out of bounds.