Property Valuation

A Mississippi appraiser notes that a property is located in an 'A-Zone' on the FEMA flood map. This means:

AThe property has no flood risk
BThe property is in a Special Flood Hazard Area (100-year floodplain) — flood insurance is required for federally backed mortgages✓ Correct
CThe property has already been flooded
DThe property is in a moderate flood risk area

Explanation

FEMA A-Zones are Special Flood Hazard Areas (SFHA) — areas with a 1% annual chance of flooding (100-year flood). Properties in A-Zones with federally backed mortgages must have flood insurance.

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