Our area has been remapped and some existing customers are now in a flood zone. I am trying to find out exactly why information we need to send to the borrower. From what I have read, the borrower should receive a copy of the flood determination along with a letter stating the flood insurance is required within 45 days. Are you guys sending one letter notifying the borrower of the change and the new requirements, and the 45 day time period and a second letter when the 45 days is up? Do we need to explain the flood insurance limits, etc. This is a first for us and we need to get it right. Any advice, help, suggestions, etc will be greatly appreciated. Thanks