1. A report lenders use to secure insurance to indemnify against mortgage loss resulting from a loan being made on real property located within a Special Flood Hazard Area (SFHA).
2. National coverage speeds up loan processing and reduces errors in insurance coverage.
3. Fast turn around times.

Types of Flood Certifications Available

"Basic Flood Zone Determination"
A one-time review of real property to determine whether the subject real property is located within a "special flood hazard area" as identified by FEMA (Federal Emergency Management Agency) or FIRM (Flood Insurance Rate Maps).

"Life of Loan Flood Zone Determination"
In conjunction with a Basic Flood Zone Determination, a data base is maintained for the life of the loan and reviewed for flood hazard status changes resulting from the issuance of an official new or revised FIRM, as issued by FEMA. In the event the flood zone status of the real property securing the loan has changed as the result of the issuance of the FIRM, a written notice is provided to the customer indicating the flood zone status change. Once notification has been provided, the customer has an option to order an updated certification/Basic Flood Zone Determination at no additional cost.

"HMDA (Home Mortgage Disclosure Act) Census Tract"
Provided in conjunction with a basic flood determination upon request. Provides census tract information to assist with HMDA reporting requirements consisting of: 1) State FIPS Code, 2) County Code, 3) MSA (Metropolitan Statistical Area) number and 4) applicable Census Tract number. Information is reflected within the comments section of the flood certification.