I'm curious if anyone has any information regarding flood insurance for a spring house. Flood determination for a new loan in process shows the old spring house is in a flood zone (obviously, it is built directly over a spring). Seems crazy to require flood insurance for a structure built to have water running through it! I'm wondering if it would be exempt if it does not have a floor? Would that be considered as no permanent foundation? The appraisal only shows one pic of the outside of the structure but it does have four walls and a roof...no value was given for the structure. Any info would be appreciated.

I guess it might depend on how it was constructed. At a family farm property there was a "spring house" over 100 years old. It was built out of rocks (field stone) several feet thick. The interior and exterior was just rock-no finishing. It had a wooden roof. The worst thing that could've happened to that was wet rocks. Now, if yours is finished somehow, I'd have your customer call an agent to see if it could be insured.

From a Google Search.

Yes, a "spring house" (a building used to house a spring's water source) is eligible for flood insurance under the National Flood Insurance Program (NFIP) if it's a walled and roofed building, on a permanent foundation, and located in a participating community.

NFIP Coverage:
The NFIP insures most walled and roofed buildings that are principally above ground on a permanent foundation, including mobile homes, and buildings in the course of construction.

Spring House Definition:
A spring house, as a building, falls under this general category, even if it's used specifically for housing a spring's water source.

Eligibility:
If the spring house meets the above criteria and is located in a community participating in the NFIP, it is eligible for flood insurance.

Flood Insurance is Separate:
It's important to note that standard homeowner's insurance policies typically do not cover flood damage, so a separate flood insurance policy is needed.

Mortgage Requirements:
If you have a mortgage from a government-backed lender and live in a high-risk flood area, you may be required to have flood insurance.

Flood Zones:
High-risk flood areas begin with the letters A or V on FEMA flood maps and are also known as special flood hazard areas (SFHAs).

Low and Moderate Risk:
FEMA's low and moderate-risk flood zones – those outside the SFHA – are those that begin with the letters “X,” “B,” or “C.” Flood insurance is not required within these zones.

Where to Find Flood Insurance:
You can find more information about flood insurance and find a policy at FloodSmart.gov.