My house is not within the newly mapped high risk flood area, am I required to get flood insurance?

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.

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1. Who is responsible for changing the flood risk maps?
2. My house is not within the newly mapped high risk flood area, am I required to get flood insurance?
3. How much will flood insurance cost?
4. My insurance provider does not offer flood insurance, what do I do?
5. How do I submit an appeal?