Disclosure

TXR 1414 — Information About Special Flood Hazard Areas

This form provides comprehensive information about special flood hazard areas designated by FEMA, including flood zone designations, flood insurance availability and requirements, ground floor construction requirements for elevated homes, compliance issues affecting insurance rates, and the importan

Source: TXR
Form Number: 1414
Category: Disclosure
Revised: October 19, 2021

Used For

Residential Sales, Farm & Ranch, Vacant Land, Commercial Sales

Form Outline

The TXR 1414 form is organized into the following sections:

  1. Property Identification
    Identifies the subject property for the flood hazard area disclosure.
  2. Flood Areas
    Explains FEMA flood zone designations (V-Zone and A-Zone), the concept of floodways, and that communities must regulate development in floodways.
  3. Availability of Flood Insurance
    Explains that flood insurance is available for most properties through NFIP and private carriers, that FEMA recommends all property owners purchase it, and that lenders require it for properties in special flood hazard areas.
  4. Ground Floor Requirements
    Details construction requirements for homes in flood hazard areas, including elevation requirements, permitted uses of ground floor enclosures below base flood elevation, and zone-specific construction standards (A-Zone vents, V-Zone break-away walls, floodway restrictions).
  5. Compliance
    Warns that the property may not comply with flood regulations, that compliance affects insurance eligibility and cost, that the current owner's policy does not guarantee the buyer's rates, and explains how the lowest floor elevation determines insurance premiums.
  6. Elevation Certificate
    Explains the importance of the elevation certificate for determining accurate flood insurance rates and verifying compliance with floodplain management laws.
  7. Closing Encouragements and Signatures
    Encourages the recipient to inspect the property, review flood insurance with their agent, and contact the building permitting authority for compliance questions. Includes acknowledgment signatures.

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