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Flood Zone Statement and Authorization - South Carolina 2026

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The document is a Flood Zone Statement and Authorization that outlines the flood zone status of a property. Sellers must indicate whether the property is in a flood-prone area as defined by the National Flood Insurance Act of 1968. Buyers acknowledge being informed of this status and agree to obtain flood hazard insurance if the property is later determined to be in a flood zone. The document includes spaces for signatures, dates, and addresses of both sellers and buyers.

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Click ‘Get Form’ to open the Flood Zone Statement and Authorization in the editor.
Begin by entering the property address in the designated field at the top of the form.
In the 'Statement by Sellers' section, check one of the three options that best describes the flood zone status of the property. Ensure you provide accurate information as per your knowledge.
If applicable, attach a copy of any survey or Flood Certification form that reflects the property's flood zone status, and indicate who prepared it.
In the 'Statement by Buyers' section, acknowledge that you have been informed about the flood zone status by signing and dating where indicated.
Complete your personal information including names, addresses, cities, states, and zip codes for both sellers and buyers in their respective fields.

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Is it a bad idea to buy a house in a flood zone?

While buying a home in a more risky flood zone comes with potential upsides, it comes with the obvious downside of more possibility of flooding, including from rising sea levels and future property development in the area along with the disadvantages of potential difficulties selling the property and the cost of

Can you get a mortgage on a property in a flood zone?

Getting a mortgage for a home in a high-risk flood area isnt so different than getting one for a home elsewhere. The primary difference is the type of insurance youll need. Depending on your zone designation, your lender or the government might require that you have flood insurance in addition to your home insurance.

Should I avoid buying a house in a flood zone?

Purchasing a primary residence in a flood zone is a terrible idea. Even a basement has mechanicals like furnaces and hot water heaters that will be compromised in a flood. Its a nightmare to deal with.

How much does a flood zone affect property value?

Case Studies and Examples. For instance, a study by the National Bureau of Economic Research found that homes within the 100-year floodplain are valued 4.4% to 13.3% less than similar properties outside the flood zone.

How does flood zone AE affect insurance?

Due to the flood zone being a high-risk area, properties that are mapped into flood zone AE are generally required to carry flood insurance. This means that if your home or commercial building is sitting on flood zone AE, your mortgage will require you to get flood coverage for the property against flood damage.

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How do I find my flood zone in South Carolina?

The SC Flood Inundation and Mapping for Action or the IMPACT (scfloodimpact.com) website is also available for viewing the flood maps. The Floodplain Map Viewer allows a search by address to view the flood zone.

Is it hard to sell a property in a flood zone?

Selling a property in a flood zone can be harder than selling one outside of such areas even if they havent experienced any actual floods, but its not impossible.

Can you build in flood zone AE in South Carolina?

Zones AE, VE, and A All buildings constructed in an AE flood zone shall be elevated so the lowest floor is located not less than 3ft (36 inches) above the level of base flood.

Flood Zone Statement and Authorization - South Carolina 2026

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Complete this form in 5 minutes or less

Got questions?

Is it a bad idea to buy a house in a flood zone?

Can you get a mortgage on a property in a flood zone?

Should I avoid buying a house in a flood zone?

How much does a flood zone affect property value?

How does flood zone AE affect insurance?

Security and compliance

Complete this form in 5 minutes or less

People also ask

How do I find my flood zone in South Carolina?

Is it hard to sell a property in a flood zone?

Can you build in flood zone AE in South Carolina?

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Flood Zone Statement and Authorization - South Carolina 2026

Here's how it works

How to use or fill out Flood Zone Statement and Authorization - South Carolina with our platform

Complete this form in 5 minutes or less

Got questions?

Is it a bad idea to buy a house in a flood zone?

Can you get a mortgage on a property in a flood zone?

Should I avoid buying a house in a flood zone?

How much does a flood zone affect property value?

How does flood zone AE affect insurance?

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Security and compliance

Related forms

Complete this form in 5 minutes or less

People also ask

How do I find my flood zone in South Carolina?

Is it hard to sell a property in a flood zone?

Can you build in flood zone AE in South Carolina?

Related links

Try more PDF tools