Land Use & Zoning
The federal Flood Disaster Protection Act requires flood insurance for properties:
AIn any area near a river
BIn Special Flood Hazard Areas (SFHAs) with federally backed mortgages✓ Correct
CIn all New Mexico counties
DValued over $500,000
Explanation
Properties in FEMA-designated Special Flood Hazard Areas (SFHAs, or 100-year floodplains) must carry flood insurance if the purchase involves a federally backed mortgage loan.
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