Check the building, not just the parcel, on Polk flood maps

A shaded corner of a rural tract does not settle the insurance question. Search the address and FEMA map. Then place the house or planned building on it. A lender may require flood insurance when that building is in a Special Flood Hazard Area and backs a covered loan.

Building rules are a separate check. Work in Polk County's floodplain review area may need an elevation paper and a floodplain permit. Before adding dirt, moving a home, or picking a building pad, take the parcel and project to the floodplain office. Ask the lender about the building itself.