The lender will require flood insurance if the home is ______.

While valleys can sometimes be prone to flooding, not all valleys are classified as flood plains. Flood insurance requirements are specifically tied to flood plain designations rather than general geographical features like valleys. Therefore, being located in a valley does not automatically necessitate flood insurance.

The age of a home does not inherently determine its flood risk or the necessity for flood insurance. A century-old house could be located in a safe area with no flood history, making age irrelevant to insurance requirements. Instead, the focus is on the home’s location relative to flood zones.

New construction properties may or may not be located in flood-prone areas. Just because a home is newly built does not mean it is automatically subject to flood insurance requirements. The critical factor is the location of the property in relation to designated flood zones, not its age or construction status.