How do lenders find flood zone determination companies?

The Federal Emergency Management's (FEMA) website provides a list of companies that are in the business of providing flood determination services. FEMA makes the following note regarding the list: "FEMA does not attest to the quality or accuracy of the services offered. That must be determined by potential users of those services. FEMA does not approve, endorse, regulate, or otherwise sanction any company on this list." 

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1. What is a “flood zone determination” as it relates to a mortgage?
2. What is the Flood Zone for Oconto County?
3. How do lenders find flood zone determination companies?
4. If a property owner disagrees with the lender’s determination that the property is in a floodplain, what can be done?
5. Are local officials liable for making flood zone determinations?
6. How do flood certification companies determine if the property lies within a flood zone?