If your home is located in a flood zone, YES.
During the processing of your loan, M&T will order a flood determination. If the
results show that the home is located in a flood zone, M&T will notify you of that
fact and require that you obtain sufficient flood insurance coverage prior to closing,
when you sign the note and mortgage for your loan.
Being armed with this information may help inform your decisions and will ensure that
your property is adequately covered if necessary.