Legal Question in Real Estate Law in New York

Theoretically, this is not a Town responsibility, but was the responsibility of your real estate broker, your attorney or your title company to check this. Traditionally, both the Contract of Sale has a paragraph covering this, and/or your closing attorney or title company should have checked it. Most towns have flood maps in the offices of their building departments where this can be easily checked. A simple solution, which I have used personally, as my lot is in a flood zone, is having an elevation survey done. If the structure is not within the zone, flood insurance is not required and an exemption can be obtained and most financial institutions will waive the requirement for flood insurance. This is a response to an Internet question and the reply is for informational purposes only, and is not intended to be legal advice or as creating an attornery-client relationship.