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If when I obtained my equity loan from Wells Fargo my house wasn't in a flood zone now they are saying that FEMA is reporting that my home is now in a flood zone do I have to get flood coverage?
Wiki User
∙ 14y ago
Yup. Same thing happened to me. They periodically re-evaluate, and some time between making the offer and closing, FEMA rezoned us. There was a puzzling moment as I was on the phone with the mortgage person, my old certification in front of me and the udpated one in front of her, not realizing we were looking at two different documents. You won't be able to get a loan on your home without it. They need to know that if that darn 100-year flood event happens, they have an asset they can reclaim if you fail to make your payments, whether that asset is your house or your flood insurance payout. They survey to prove that we weren't in the zone was more costly than 8 years of flood insurance payments, so we just went with it. I'm surprised your main mortgage holder hasn't come back at you to insist you have it already.
Wiki User
∙ 14y ago
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