Agency

A seller's agent who fails to disclose that the subject property is in a flood zone to a buyer may be liable for:

ANothing, since flood zone information is publicly available
BNegligent or fraudulent non-disclosure of a material fact affecting the property's value and insurability✓ Correct
COnly a fine from FEMA
DNothing, since the seller controlled this information

Explanation

Flood zone status is a material fact that directly affects a property's value and the buyer's ability to obtain financing and insurance. An agent who knows the property is in a flood zone and fails to disclose it may be liable for negligent or fraudulent non-disclosure.

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