Flood Zone Investigations

Determine if the dwelling is in a flood plain through FEMA( Flood Maps Service Center). Search by address on the site. If the dwelling is in a flood plain, determine what type o flood zone control the dwelling. 

Dwelling in a flood zone will require an Elevation Certificate, FEMA Form FF-206-FY-22-152. The loan appraiser should initiate the certificate utilizing a register engineer or surveyor in the state of Texas.

Consult with the public works department of the county or the city of jurisdiction to determine the type of subgrade, natural or fill soil, at the site. Also ask what are the flood requirements issued by the county or city that may be different (additional) from the established FEMA standards. 

FEMA and other publications that pertain to flood conditions for dwellings, manufactured houses, are as follows: 

A. 2021 IRC

B. NFIP Technical Bulletin 10/ March 2023, Reasonably Safe Requirement for Building on Filled Land

C. FEMA P-85, Second Edition/ November 2009, Protecting Manufactured Homes from Floods and Other Hazards

D. 44 CFR 60.3, Flood Plain Management

Consult with the mortgage company as to the found flood criteria incorporated in engineer's Certification Report for the dwelling 

( Manufactured House) 

The engineers Certification Report to be submitted to the mortgage company providing a FHA, VA or USDA insured loan for the subject manufactured house, shall be based upon the above noted procedures.