Which of the following requires lenders to determine the location of a building and whether federal insurance is available?

The Flood Disaster Protection Act requires lenders to assess the location of a building to determine whether it falls within a flood zone and if federal flood insurance is available. This act aims to mitigate the risks associated with flooding in designated special flood hazard areas (SFHAs). When a property is located in such a zone, lenders must inform borrowers of the need for flood insurance to protect both the borrower and the lender's financial interests. This is crucial for ensuring compliance with federal regulations aimed at reducing flood-related losses.

The other options do not relate to assessing the location of buildings in terms of federal insurance availability in the context of flood risk.