Environmental
Disclosure of a property's location in a FEMA Special Flood Hazard Area (SFHA) in Utah is important because:
AAll properties in Utah are in flood zones
BProperties in SFHAs require federally mandated flood insurance when financed with a federal loan✓ Correct
CFlood zone designation permanently prevents construction
DFEMA pays for all flood damage in designated areas
Explanation
If a property is in a FEMA-designated Special Flood Hazard Area (100-year flood plain), flood insurance is required for federally backed mortgages. This materially affects the buyer's costs and should be disclosed.
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