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Are properties that do not participate in the NFIP eligible for delivery?

Community Eligibility

If the lender or servicer determines that a principal or residential detached structure is located in an Special Flood Hazard Area (SFHA), but the community does not participate in the National Flood Insurance Program (NFIP), the loan is not eligible for purchase by Fannie Mae.

If the property is in a non-participating community and a Coastal Barrier Resources System (CBRS) or an Otherwise Protected Area (OPA), it is only eligible for purchase by Fannie Mae if it is not located in an SFHA.

Loans secured by properties in the Emergency Program of the NFIP are eligible for purchase by Fannie Mae with coverage equivalent to the NFIP maximum that is available.

For additional information, see B7-3-06, Flood Insurance Requirements for All Property Types.

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