Which of the following Flood Zones requires Flood Insurance?

The choice highlighting that Flood Insurance is required for Zones A, V, or D is correct because these are specifically designated areas where there is a significant risk of flooding. Zone A generally represents areas where no flood elevations have been established but are still at risk of flooding, making it necessary for flood insurance coverage. Zone V is designed for coastal areas with a risk of wave action flooding, meaning the risk is higher and insurance is mandated to protect property owners. Zone D, on the other hand, refers to areas with undetermined flood hazards, but it's recognized that as a precaution, flood insurance is recommended.

This combination of zones reflects a comprehensive understanding of risk levels and the insurance requirements that go with them, which is why flood insurance is crucial for properties located in these specific flood zones.