Flood Zone Statement and Authorization - Tennessee 2025

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  1. Click ‘Get Form’ to open the Flood Zone Statement and Authorization in the editor.
  2. Begin by entering the property address in the designated field at the top of the form.
  3. In the 'Statement by Sellers' section, check one of the three options provided based on your knowledge of the property's flood zone status.
  4. If applicable, provide details about any attached survey or Flood Certification form by filling in the name of the certifying entity.
  5. In the 'Statement by Buyers' section, acknowledge that you have been informed about the flood zone status by signing and dating where indicated.
  6. Complete your address information, including city, state, and zip code for both sellers and buyers as required.

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Your mortgage lender may require flood insurance Youre required to have flood insurance if you own a home or business in a Special Flood Hazard Area (SFHA) and have a government-backed mortgage.
If you have questions about developing in the floodplain, permitting, obtaining a copy of the Elevation Certificate please contact the local community where the property is located. The State NFIP office does not have copies of FEMA elevation certificates, only local communities.
Flood Zone AE is an area designated as a high-risk flood zone by FEMA because of its proximity to floodplains, rivers, lakes, and other bodies of water. AE flood zone areas have a 1% risk of flooding annually with a 26% risk of flooding over the course of a 30-year mortgage.
The average annual cost of a flood insurance policy in Tennessee is $860 per year or about $70 a month. Policy rates vary based on what flood zone the home is in, age of the home, amount of coverage needed, and other factors. Even if your home is not in a designated high-risk area, it can still be flooded.
Flood insurance is not required for loans that are otherwise covered by the regulation if: (1) the property securing the loan is state-owned and covered under a satisfactory self-insurance policy; or (2) the loan has a repayment term of one year or less with an original principal balance of $5,000 or less. 12 C.F.R.
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People also ask

But if you dont have coverage and your home was damaged by flooding, you still have options. The federal government provides grants (through FEMA) and loans (through the SBA) that may help you repair flood damage to your home and cover certain other expenses.
Flood insurance is mandatory in Tennessee primarily if you have a federally-backed mortgage and your property is located in a special flood hazard area (flood zones A or AE). Lenders require proof of flood insurance to protect their investment.

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