Flood Zone Determinations

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Protection for your portfolio

Federal regulations require lenders to determine and document whether collateral used to secure a mortgage is located in a Special Flood Hazard Area (SFHA). DataVerify provides fast flood zone determinations with a focus on your needs. You can be assured of efficient results with this technology. We earn your business and trust by providing person-to-person and coast-to-coast customer care to answer your questions and address your service needs.

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Flood Zone Determinations

  • Multiple ordering platforms including web, loan origination systems and custom interfaces
  • Parcel data and precise property location tools reduces risk
  • Easy to understand aerial map copy of the subject property and flood layer
  • Multiple delivery options available

Flood Zone Determination Services

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Flood Zone Determinations

Timely flood zone determinations for all 50 states and U.S. territories.

Loan Tracking

Life-of-Loan Tracking

Track the flood status of a property through the term of the loan. When a FEMA flood map is revised, we notify you of mandatory purchase requirement status changes.

Loan Surveillance

Loan Monitoring

Services range from life-of-loan monitoring of determinations not made by DataVerify to a complete quality audit of determinations in a lender’s portfolio.

Loan Surveillance

Aerial Map Copy

Order a Map Copy with the Standard Flood Hazard Determination form anytime in your process, automatically with all orders or only determinations in Special Flood Hazard Areas.


DataVerify will research, re-evaluate, and verify that an accurate determination has been made based on additional information provided by the customer.

HMDA / Census Tract Information

All relevant Census Tract data needed for HMDA reporting can be included on the Standard Flood Hazard Determination Form or as a standalone product.

Flood services provided by a National Flood Association (NFA) certified company.

The NFA Certification Program is designed to recognize companies that operate within the guidelines set forth by NFA to maintain standards of excellence, foster professionalism, and advocate quality services within the flood zone determination industry.

Frequently Asked Questions


What is a Flood Zone or Special Flood Hazard Area (SFHA)?

In support of the National Flood Insurance Program (NFIP), FEMA has undertaken a massive effort of flood hazard identification and mapping to produce Flood Hazard Boundary Maps and Flood Insurance Rate Maps. The Special Flood Hazard Area (SFHA) is defined as an area of land that would be inundated by a flood having a 1% chance of occurring in any given year (previously referred to as the base flood or 100-year flood). Development may take place within the SFHA, provided that development complies with local floodplain management ordinances, which must meet the minimum Federal requirements. Structures in SFHA with mortgages from federally regulated or insured lenders require coverage by flood insurance.

Who is the flood zone determination for?

The flood zone determination is provided for the benefit of the lender to ensure the collateral for a mortgage loan is not in a special flood hazard.

Why is flood insurance required?

Flood insurance is required as designated by the 1994 National Flood Insurance Reform Act and subsequent amendments. During the life of a 30-year mortgage, the risk of a 100-year flood in a Special Flood Hazard Area is approximately 26 percent and subsequent amendments to ensure the collateral securing the mortgage loan is not in a special flood hazard.

What data is necessary to request a flood zone determination?

Generally, the following information is required:

  • Borrower's/Owner's name
  • Property street, city, state, and zip code

Additional information to locate a property could include:

  • Parcel number
  • Legal description
  • Appraisal survey
  • Maps (Subdivision, Tax, Plat, Site)
  • Current owner (if different from borrower)

What if there are multiple flood zones on the property?

DataVerify Flood Services maps to the structure(s) on the property. If a property is located in multiple flood zones, the determination will reflect the most hazardous zone that impacts the structure(s).

What if I disagree with the determination?

If a customer disagrees with the determination, they may request a re-determination. The re-determination request should include one or more of the following: a legal description, appraisal, survey, certified plat drawing, subdivision map, LOMA, or any other information that helps identify where the structure is in relationship to the Special Flood Hazard Area.

How quickly can I expect to get my flood zone determination?

The majority of orders are returned within seconds. For those determinations that require manual mapping, most are completed within 4 hours, but some may take up to 24 hours.

How do I transfer a determination to another lender?

Email a list of determination numbers or the Transfer Form provided with the life-of-loan determination, indicating the new loan servicer, to floodscs@dataverifyflood.com. Transfers can also be made using CBCWeb. Only Life-of-Loan service products are transferable to other lenders.

How do I notify DataVerify Flood Services when a loan has been paid off?

Email a list of determination numbers or the Transfer Form provided with the life of loan determination, indicating loan payoff, to floodscs@dataverifyflood.com

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