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Zone "AE": Special Flood Hazard Areas subject to inundation by the 100-year flood determined in a Flood Insurance Study by detailed methods.
You'll usually need to pay a flood risk specialist to carry out the flood risk assessment for you, but you may be able to do it yourself if it's for a simple, low risk development, for example a house extension. If you're unsure, contact the Environment Agency for advice.
Being located in a flood zone doesn't automatically prevent you from buying a property with a VA loan. What does matter is the extent of risk. If the property is located in a FEMA Special Hazard Flood Area, you may be required to purchase flood insurance, but should still be able to move forward with your plans.
To purchase flood insurance, call your insurance company or insurance agent, the same person who sells your home or auto insurance. If you need help finding a provider go to FloodSmart.gov/flood-insurance-provider or call the NFIP at 877-336-2627.
Flood insurance is required if your property is in a high-risk area and your mortgage is through a government-backed lender.
What flood zones require flood insurance? Normally, flood insurance is required by lenders for properties located within higher risk flood zones (AE, AH, AO and VE).
The VA allows veterans to choose where they purchase flood insurance. You can go the standard route of obtaining insurance through the National Flood Insurance Program or, if you choose, purchase private flood insurance.
Requirements. Flood insurance is required by the federal regulations for structures either partially or completely in Flood Zone AE or VE and with a mortgage backed by federal programs.