The City of Lancaster does not administer the National Flood Insurance Program or determine who is required to obtain flood insurance.
If your property is located in the Special Flood Hazard Area and you have a federally insured mortgage, you will be required by your lender to obtain flood insurance. Flood insurance is only available through the National Flood Insurance Program so you will need to check with your insurance agent.
However, you lender may require flood insurance even if you are outside the Special Flood Hazard Area as a risk mitigation measure.
You may also choose to purchase flood insurance even if it is not required. Flood insurance may cover flooding from localized flooding due to unusual storms or basement backups. Your insurance agent can help you.