The flood insurance federal mandate only applies to structures being mapped into the high risk flood zone with federally-backed mortgages. If you have a federally-backed mortgage on your home and the new maps identify your home within the high risk flood zone, flood insurance is required. However, other mortgage lender requirements may be more stringent. If a portion of your property is being mapped into the floodplain but your house is not, your mortgage company may still require flood insurance. Please note Spotsylvania County does not regulate, require, administer, or provide flood insurance.