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Flood is a dwelling related loan. Which would mean if the loan is secured by two separate duplex buildings, You would need a flood determination that identifies each building securing the loan. You cannot safely use one house number and assume the result applies to the other duplex simply because both sit on the same tract.
The Interagency Flood Q&As are very clear on the underlying principle: when a loan is secured by multiple buildings, the lender must determine whether each building securing the loan is located in an SFHA. The regulation requires use of the standard determination form for the building or mobile home offered as collateral. However, based on your vendor two separate flood certificates don’t necessarily mean two completely separate orders if your vendor has a way to run both buildings in one transaction/package. But the documentation must clearly identify and provide a determination for both structures. One determination using one duplex’s house number is not sufficient documentation for the second duplex.
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