Flood Zone Determination
Services
Basic Flood Zone Determination
This service provides a one-time flood zone determination without ongoing tracking or future updates. Determinations are delivered using the FEMA Standard Flood Hazard Determination Form and include:
- Special Flood Hazard Area (SFHA) status
- FEMA flood zone classification
- National Flood Insurance Program (NFIP) eligibility
- FEMA Community Number and Status
- Applicable Flood Insurance Rate Map (FIRM) and panel number
- Coastal Barrier Resources System (CBRS) designation
- Applicability of Letters of Map Amendment (LOMA) or Letters of Map Revision (LOMR)
- Census Tract data
Unique Flood Determination
Designed for commercial properties, raw land, or properties under development, this service provides a single flood determination that covers an entire tract or subdivision. It eliminates the need for multiple determinations for each individual lot during initial phases. As construction progresses and purchase loans are processed, lenders can request individual determinations for specific lots.
Requirements for this service typically include:
- Full legal description with metes and bounds
- A property survey
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Life of Loan (LOL) Flood Determination
This service includes an initial flood determination plus ongoing monitoring for the life of the loan. Any time FEMA issues a new or updated Flood Insurance Rate Map (FIRM) for a community, we re-check previously submitted addresses in affected areas to determine if flood insurance requirements have changed.
Portfolio Monitoring
We offer flood determinations for newly acquired loan portfolios, with optional ongoing monitoring for future FIRM updates for the life of the loans. This helps lenders stay compliant and manage flood risk exposure effectively.
Dispute or Recheck Determination
If a lender or borrower disputes a flood zone determination, we provide a thorough re-evaluation. Our team collects and reviews relevant documents to verify the location of the structure relative to the flood zone. If needed, we also provide supporting documentation to confirm the structure’s positioning within or outside a Special Flood Hazard Area, based on FEMA Flood Maps.
Flood Overlays
To accurately determine the placement of a structure in relation to flood zones, we offer Flood Overlays. This service integrates GIS data, the most recent FEMA flood maps, and aerial imagery to visually depict the exact location of the property relative to designated flood zones.
Plot Drawings (Mortgage Plot Plans)
We provide detailed plot drawings that show the as-built location of structures on a property. These drawings are often used by lenders or title companies to ensure compliance with local zoning regulations. Our Mortgage Plot Plans are available for both residential and commercial properties and are an essential part of the title and zoning verification process.