Zone A or Zone V (special flood hazard area) as designated by the Federal Emergency Management Agency.

The seller’s agent, or the seller if acting without an agent, must make this disclosure if:

• The seller of the seller's agent has actual knowledge that the property is in a special flood hazard area.

(Government Code Section 8589.3)

Although FEMA maps several types of flood areas, the new state statute requires sellers to inform buyers only if the property is within Zone "A." Agents and owners of other flood-prone property must decide for themselves whether they have a non statutory, common law duty to disclose that information.

Copies of FEMA's maps should be readily available from the planning department in the city or county where the property is located. Information about FEMA's floodplain mapping program and the Natural Flood Insurance Program is available on FEMA's Web-site: www.fema.gov.

Example of Flood Insurance Rate Map

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