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It’s the sellers' responsibility to provide full disclosure if they know their home is located in a flood zone. But as a seller may be unaware of this fact, prospective buyers should verify a home's flood status using the maps available at fema.gov. If it turns out that a home is in a flood zone, the sales price should take into consideration the cost of buying flood insurance in order to keep the home competitively priced with comparable homes outside the problem area.
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