What is the requirement for signatures/acknowledgement on Notice to Borrower (NTB) for Flood Zone D? Does anyone treat Flood Zone D differently? Currently, we require the NTB be signed at least 10 days prior to closing for properties located in SFHA and treat flood zone D like any other non-SFHA property. While NFIP is available for zone D properties, it is not federally required. Should the lender require flood insurance on a zone D property, should the notice to borrower be signed/dated (a) always, (b) never, or (c) only when lender requires flood insurance for a zone D property? But since flood zone D is an unknown risk, wondering how others treat flood zone D.