Must an FHA Roster Appraiser identify the flood zone in which the property is located?

The Appraiser must review the Federal Emergency Management Agency (FEMA) Flood Insurance Rate Map (FIRM) and make appropriate notations on the applicable appraisal reporting form. If the property appears to be located within a Special Flood Hazard Area (SFHA), the Appraiser must attach a copy of the flood map panel to the appraisal report.  The Appraiser must enter the FEMA zone designation on the reporting form, and identify the map panel number and map date. If the property is not shown on any map, the Appraiser must enter “not mapped.” The Appraiser must quantify the effect on value, if any, for properties situated within a designated SFHA. 

If the property is located within a Coastal Barrier Resources System (CBRS) designated area, the Appraiser must stop work and notify the Mortgagee of the deficiency of Minimum Property Requirements (MPR) or Minimum Property Standards (MPS). The FIRM will identify CBRS boundaries through patterns of backward-slanting diagonal lines, both solid and broken. If it appears that the property is located in a CBRS, the Appraiser must review CBRS location maps to confirm. 

For additional information see Handbook 4000.1 II.D.3.c.iv(I) and (J)  at

All policy information contained in this knowledge base article is based upon the referenced HUD policy document. Any lending or insuring decisions should adhere to the specific information contained in that underlying policy document.

Topic Number: KA-02793