Environmental

In South Dakota, a property located in a 100-year floodplain as designated by FEMA will likely be required to have:

AAdditional liability insurance
BFlood insurance if there is a federally backed mortgage on the property✓ Correct
CAn elevated foundation regardless of the owner's choice
DA special disclosure only if the property has flooded before

Explanation

Federal law (National Flood Insurance Reform Act) requires that properties in FEMA-designated Special Flood Hazard Areas (SFHAs/100-year floodplains) with federally backed mortgages must carry flood insurance. Properties in these areas must also be disclosed to buyers.

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