A Cedar Creek address needs a building-level flood check

A Special Flood Hazard Area is land in the 1%-annual-chance flood. Near Cedar Creek Reservoir and county waterways, the line may cross part of a lot without crossing the house.

The lender decides whether the building securing a covered loan is in the mapped area. Federal rules can require flood insurance for that building. A lender may also require coverage outside the mapped high-risk zone.

Search the address in FEMA's Map Service Center, then ask the county about floodplain review for planned work. A map line is not a promise that land outside it will stay dry.