Discussing official flood zones.....I have a one word answer................YES.......let me repeat that..........YES
If there is a listing agent involved she should have already looked into this, and should know what the exact status is - to what extent it is or isn't located in a flood zone. A certificate will be issued describing whether the house or property are partially or completely located in the zone, if indeed they are
The mortgage company may or may not require flood insurance - it all depends on where it is located within the zone..We have official flood maps in our office, but this is something easliy discovered online for a small fee.
The attorney for the buyer always includes a line regarding this in the contract, and gives the buyer the right to terminate the contract if the home is discovered to be located in a flood zone.
No one likes surprises...........sellers should disclose this ahead of time!
By the way - it is possible for a home to be in an offical flood zone, and never flood...conversely, it is possible a home floods ,. but isn't in a flood zone.