Fema Flood Zone B Why Does FEMA Require Flood Insurance When Your House Is Not Located In A Flood Zone?

Why does FEMA require flood insurance when your house is not located in a flood zone? - fema flood zone b

I recently asked a second mortgage. Loan approved pending insurance against floods. My first mortgage does not need insurance against the flooding of my house is not in the flood plain. Loan Company, said FEMA told that my house is in a flood zone. Is there anything new in the regulations of FEMA?