What are limit on a HELOC in a Flood Zone

[John McAllister]

I have a house I bought and rehabed in a flood zone.

I currently have a FEMA flood insurance policy with max coverage of 250K for structure & 100k for belongings. From what I understand this is the most flood insurance one can have.

I want to open a HELOC for 100K on the house that will be valued at 375K with a balance of 215K.

How will the banks assess this loan?

It seems like there is a gap risk of 125K of the 250K coverage through fema and the actual value?