---
title: Refinancing a Flood Loan
description: Learn about the regulations for refinancing flood loans, including compliance with the Flood Insurance Act and necessary steps like flood determinations and coverage assessments.
---

[Banker's Compliance Consulting Blog ](https://blog.bankerscompliance.com/en)

# [Refinancing a Flood Loan](https://blog.bankerscompliance.com/en/refinancing-a-flood-loan)

 Written by [Kevin Edwards](https://blog.bankerscompliance.com/en/author/kevin-edwards) | Aug 26, 2025 3:06:12 PM

If you are going to refinance, renew or modify a loan, there are a number of different regulations that can come into play. One of those is the Flood Insurance Act. It states that if you make, increase, renew or extend (MIRE) a loan secured by improved property located in a [Special Flood Hazard Area](https://www.fema.gov/about/glossary/special-flood-hazard-area-sfha), you must comply with the flood insurance requirements. This could include doing a flood determination, providing the flood notice, determining the appropriate amount of coverage, etc.

Kevin explains more in the video.

Published  
2025/08/26

[View full post](https://blog.bankerscompliance.com/en/refinancing-a-flood-loan)

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