source:
  type: guide
  id: va-m26-7-ch12-t10
  authority: VA Lenders Handbook (VA Pamphlet 26-7), Chapter 12, Topic 10 — Lava Flow
    Hazard Zones
  description: VA Lenders Handbook (VA Pamphlet 26-7), Chapter 12, Topic 10 — Lava
    Flow Hazard Zones.
  coverage_tier: operative
obligations:
- id: va-m26-7-ch12-t10-full
  canonical_id: va-m26-7-ch12-t10-full
  section: VA Lenders Handbook (VA Pamphlet 26-7), Chapter 12, Topic 10 — Lava Flow
    Hazard Zones
  type: do
  tags:
  - regulator-direct
  - va
  - va-handbook
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: VA Lenders Handbook (VA Pamphlet 26-7), Chapter 12, Topic 10 — Lava
      Flow Hazard Zones
    source_class: va-handbook
    source_url: https://www.benefits.va.gov/warms/pam26_7.asp
    snapshot_id: 824171a914866a59
    fetched_at: '2026-05-23T01:53:53Z'
    content_hash: sha256:71efd8bb39bb5596ad194f1b13e6f979cfa1afbf5566e897e26836fc1ab0429e
    paragraph_quote: '10. Lava Flow Hazard Zones Change Date March 28, 2019 • This
      chapter has been revised in its entirety. a. Appraiser Responsibility Lava Flow
      Hazard Zones are designated by the United States Geological Survey. Appraisers
      who perform appraisals for VA in affected areas must be familiar with these
      zones. b. Property Eligibility Properties in Zones 1 and 2 are not eligible
      for appraisal. If the appraiser finds that a property on which an appraisal
      has been ordered is located in Zone 1 or 2, the appraiser must stop work and
      promptly notify the lender. c. Market Value to be Considered If the property
      is in a Lava Flow Hazard Zone other than Zone 1 or 2, the appraiser must report
      the zone information in the appraisal and analyze the effect on market value.
      VA Pamphlet 26-7, Revised Chapter 12: Minimum Property Requirements 12-16'
  judgment: false
