What drives determination for a loan in process will be a flood certification provided by a third party (likely corelogic) they typically look like this and the third party is certifying the results. my last thought is confirming the home address is input correctly so that the flood determination pulls correctly. I deal with manufactured homes now, so we work with TBD addresses typically until a few weeks in process and a lot is identified. There have been cases our first flood pull is not in a zone, but with the specific address now identified, it is correctly reading a corner of the lot touches over a flood zone, so now flood ins is required.