Responsibility for determining and disclosing flood plain?

[Jennifer McCollum]

This is Alabama - buyer beware state.

It looks like the investment property we purchased is in the "mandatory insurance" flood plain - 1% annual risk. FWIW, cash deal.  

When I worked with my realtor to write in contingencies, I had listed that the property must not be federally required to have flood insurance.

The buyer and her agent (sisters) stated it was NOT in a flood plain.  

When I purchased insurance, the agent did not mention it.

During the entire time of this 6 week process, it was not mentioned.  

However, when I pulled the mail from the mailbox, there was a letter from the city from November 2015 where the property was in the flood plain and the FEMA website also has it at high risk.

Other than the fact that it's a trust no one situation and we should have asked ourselves, who would have normally been responsible for verifying this information?