{"ok":true,"canonical_url":"https://dealroom.so/glossary/fema-flood-map","api_url":"https://dealroom.so/api/public/glossary/fema-flood-map","data_freshness":{"sba_records_through":"2026-05-31","fdic_records_through":"2026-03-31","dealroom_last_updated":"2026-06-15","timezone":"America/Chicago"},"source_summary":["Public SBA 7(a) loan records","FDIC institution data","DealRoom lender and franchise enrichment"],"term":{"slug":"fema-flood-map","term":"FEMA flood map","group":"Doing the deal","definition":"Identifies areas at risk of flooding. Your lender will require flood insurance if the business property or collateral is in a designated flood zone, adding to your operating costs.","what_it_means":"Before closing, the lender checks if the property or any real estate collateral is in a Special Flood Hazard Area (SFHA) using FEMA maps. If it is, you must obtain flood insurance for the life of the loan. Factor this into your projected expenses.","url":"https://dealroom.so/glossary/fema-flood-map","official_sources":[{"slug":"sop-50-10","title":"SOP 50 10 — Lender and Development Company Loan Programs","official_url":"https://www.sba.gov/document/sop-50-10-lender-development-company-loan-programs","official_label":"View on SBA.gov","authority_tier":2,"publisher":"U.S. Small Business Administration","source_guide_url":"https://dealroom.so/sba-7a/sources/sop-50-10"},{"slug":"13-cfr-part-120","title":"13 CFR Part 120 — Business Loans","official_url":"https://www.ecfr.gov/current/title-13/chapter-I/part-120","official_label":"View on eCFR","authority_tier":1,"publisher":"Office of the Federal Register","source_guide_url":"https://dealroom.so/sba-7a/sources/13-cfr-part-120"}],"related":[{"slug":"appraisal","term":"Appraisal","url":"https://dealroom.so/glossary/appraisal"},{"slug":"owner-occupied-commercial-real-estate","term":"Owner-occupied commercial real estate","url":"https://dealroom.so/glossary/owner-occupied-commercial-real-estate"},{"slug":"collateral","term":"Collateral","url":"https://dealroom.so/glossary/collateral"}],"related_questions":[{"question":"What environmental due diligence is required for real estate collateral located in a flood hazard area for a 7(a) loan?","url":"https://dealroom.so/for-lenders/questions/what-environmental-due-diligence-is-required-for-real-estate-collateral-located-in-a-flood"}]},"caveats":["Definitions represent DealRoom's plain-English interpretation for buyers; verify regulatory terms against the official SBA and eCFR sources listed.","Not legal, tax, or financial advice, and not an SBA eligibility determination."],"citation":{"label":"DealRoom.so Glossary — FEMA flood map","url":"https://dealroom.so/glossary/fema-flood-map","source_type":"DealRoom Data"}}