Property in flood, includes contents with no insurable value

SVP at a bank ($848MUSA)
We currently have property that was re-zoned and is now in a flood zone,  even though it was not our intention to take contents, our deed has boiler plate verbiage that covers personal property.  In researching FDIC's information it has been brought to our attention that we are required to determine in the borrower has any contents located on the property and then to determine if the contents have any insurable value.  It was suggested that in cases where personal property or contents securing  loan have negligible or no insurance value, affidavits from borrowers or insurance agents have been used to document that Coverage B insurance is not obtainable.   Does anyone have a sample affidavit you wouldn't mind sharing?

Thanks,