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Message: [QUOTE="llandz, post: 4382361, member: 1679"] Correct on the mortgage companies. If you are in a flood zone you will need flood insurance to obtain your mortgage. Same in California and other states with high fire risks. My son lives in a little area surrounded by fire risk but about 5 blocks that include his home are not high risk. We know that from when he obtained his mortgage. But as a Realtor I always check the flood insurance maps to make sure the buyer knows they made need it, and sometimes that extra cost makes the home unobtainable for them to qualify for the loan. In California, the same is true for fire risk maps. [/QUOTE]