I agree with Randy that you can't rely on a determination in an appraisal. That said, you always have the right to require flood insurance for safety and soundness reasons - if you want to. For me, the determination in your appraisal would raise a flag that would have me going back to my flood vendor to manually review this (or I would do it myself). Any time there is a discrepancy, I would want my team to figure out who is right, as someone is wrong. As Randy explained, some flood determination vendors rely on an address which isn't as accurate as looking at a map and the location of all structures. Reviewing the maps wherever there is a discrepancy will help you to understand whether the structure is actually in a high-risk flood zone or not.
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Adam Witmer, CRCM
All statements are my opinion, not those of my employer, and should not be taken as legal advice.
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