Environmental
Under Missouri's disclosure requirements, sellers must disclose if the property is located in a FEMA Special Flood Hazard Area (SFHA) because:
AMREC requires it for all residential sales
BFlood zone status materially affects insurance costs, lender requirements, and flood risk✓ Correct
COnly commercial property flood zones must be disclosed
DFEMA directly notifies buyers
Explanation
Missouri seller disclosure forms include questions about flood zone status. SFHA properties require flood insurance for federally-backed mortgages, face higher insurance costs, and carry flood risk — all material facts affecting value and buyer decisions.
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