Flood insurance is a form of property insurance. It is not a closing cost subject to a good faith estimate increase cap of 0% or 10%. Therefore, there is no changed circumstance warranting a revised LE. You should be good, since you had no reason to believe flood coverage would be required at the time the LE was issued.
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John S. Burnett
BankersOnline.com
Fighting for Compliance since 1976
Bankers' Threads User #8