---
title: "Flood Insurance: Non-Participating Communities"
description: Learn about flood insurance requirements for non-participating communities when it comes to real estate lending. Understand the importance of flood insurance in special flood hazard areas.
---

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# [Flood Insurance: Non-Participating Communities](https://blog.bankerscompliance.com/en/flood-insurance-non-participating-communities)

 Written by [Jerod Moyer](https://blog.bankerscompliance.com/en/author/jerod-moyer) | Apr 11, 2024 3:49:26 PM

If you’re new to real estate lending, the concept of flood insurance is also probably quite new. In a nutshell, if you make, increase, renew, extend, etc., any *loan secured by a building or mobile home that is located or to be located in a special flood hazard area* (Zone A or V), you must require that *the building or mobile home and any personal property securing the loan is covered by flood insurance for the term of the loan.* There are some instances where flood insurance is not available through the National Flood Insurance Program ([NFIP](https://www.fema.gov/flood-insurance)) and therefore you don’t have to require it. Once such instance is in the case of non-participating communities. Keep in mind; however, that just because flood insurance isn’t available to purchase for non-participating communities, it doesn’t mean that other flood insurance requirements (flood determination, notice, etc.) also don’t apply.

Jerod explains more in the video.

Published  
2024/04/11

 

[View full post](https://blog.bankerscompliance.com/en/flood-insurance-non-participating-communities)

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