Map the building, then ask about the flood policy

A shaded part of a Burnet County tract does not settle the loan question. Search the FEMA panel, then place the house or planned building on it. Required flood coverage generally concerns a building in a Special Flood Hazard Area that backs a covered loan.

A normal homeowners policy usually does not cover flood, so the coverage is bought on its own. The NFIP often has a 30-day wait, but loan closings and some map changes can qualify for exceptions. Ask the insurer which rule fits the actual purchase date and policy.

County development review is a separate step. Fill, a moved home, or new work in a regulated floodplain may need a Burnet County permit even when the lender's answer is different.