EnvironmentalIntermediateArizona Exam

Arizona's requirement for a Flood Zone Disclosure is triggered when a property is located in:

AAny area within one mile of a navigable river, stream, or wash

BA FEMA-designated Special Flood Hazard Area (SFHA), identified on a Flood Insurance Rate MapCorrect

CAny low-lying area where water could theoretically accumulate during heavy rainfall

DAny area with a documented flooding history, regardless of FEMA's official designation

Why A FEMA-designated Special Flood Hazard Area (SFHA), identified on a Flood Insurance Rate Map Is Correct

Answer B: A FEMA-designated Special Flood Hazard Area (SFHA), identified on a Flood Insurance Rate Map

Flood zone disclosure is required (and flood insurance mandated for federally financed loans) when a property is in a FEMA-designated Special Flood Hazard Area (SFHA), typically the 100-year floodplain shown on Flood Insurance Rate Maps (FIRMs).

Exam Tip: Environmental

Environmental questions test knowledge of hazards like asbestos, lead-based paint, radon, and mold. Know the disclosure requirements and when a professional inspection is required. CERCLA liability is strict, joint, and several.

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Key Terms to Know

Private Mortgage Insurance (PMI)

Insurance required by lenders on conventional loans with less than 20% down payment, protecting the lender — not the borrower — against default.

Zoning

Local government regulations that control land use by dividing areas into zones specifying permitted uses, building sizes, and densities.

Variance

Official permission to use land in a way that does not conform to the applicable zoning ordinance, granted by a zoning board when strict enforcement would cause undue hardship.

Eminent Domain

The power of government to take private property for public use, with the requirement to pay the owner just compensation.