Environmental
In Pennsylvania, properties in a 100-year floodplain designated by FEMA are typically required to have:
ANo special requirements if the home is elevated
BFlood insurance if the property is financed by a federally regulated or insured lender✓ Correct
CPADEP certification before any construction
DPermanent steel flood barriers installed
Explanation
Federal law (Flood Disaster Protection Act) requires federally regulated lenders to mandate flood insurance for properties in FEMA-designated Special Flood Hazard Areas (SFHAs / 100-year floodplains). Without flood insurance, federally backed loans cannot be made on properties in SFHAs.
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