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My Home Is & Isn't in a Flood Zone

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My question pertains to flood and it's personal. I recently applied for a home equity loan with a credit union. When the lender ran the flood determination, it stated that my home is in a flood zone. It's not. I live on a street that was divided by a new road several years ago (before my home was even built). The street name on both sides of this new highway is the same. On the side opposite from me, the street slopes down sharply toward the river and is clearly in a flood zone. I have looked at the flood maps on FEMA's website and have even sought the opinion of my county's flood plain coordinator. He agrees with me that my home is clearly not in the flood zone, but because my street address is used in the flood determination and because the flood map does not even label the street on my side of the new road, the flood certification states that my home is in a flood zone. What can I do to resolve this situation?

What you need to do is get a Letter of Determination Review (LODR) issued by FEMA. Go to the FEMA website and it will walk you through the process. Refer to question #3.

First published on 10/13/08

First published on 10/13/2008

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