Our Core Service

Flood Zone Determination

Instant, FEMA-compliant flood zone certificates for any U.S. property. Trusted by lenders, real estate professionals, and homeowners nationwide.

Results in Seconds FEMA NFIP Compliant From $8/cert

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What You Get

Every flood zone determination includes a complete, lender-ready certificate.

Official SFHDF Form

The FEMA NFIP Standard Flood Hazard Determination Form (086-0-32) — the same form every federally regulated lender requires.

Precise Flood Zone

The exact FEMA flood zone designation for the property, including the flood map panel number and effective date.

Insurance Requirement

Clear indication of whether mandatory flood insurance is required for the property based on the zone designation.

Community & Panel Info

NFIP community number, map panel number, map suffix, and community participation status included on every certificate.

Instant PDF Download

Download your completed certificate as a professional PDF immediately. No waiting, no manual processing steps.

Permanent Record

Every certificate is stored in your account for re-download at any time. Never lose a determination again.

How It Works

From address to certificate in three simple steps.

1

Enter the Address

Type any U.S. property address into our platform or submit via API.

2

Instant Processing

Our system queries the latest FEMA flood maps and returns a determination in seconds.

3

Download Certificate

Get your FEMA-compliant certificate as a downloadable PDF, ready for your lender.

Who It's For

Flood zone determinations are essential across the real estate industry.

Mortgage Lenders

Fulfill federal flood determination requirements for every loan origination and servicing transfer with instant results.

Real Estate Agents

Provide buyers with accurate flood zone information before closing. Avoid last-minute surprises that delay transactions.

Title Companies

Streamline your closing process with instant determinations instead of waiting days for third-party vendors.

Homeowners

Check your property's flood zone before purchasing insurance or to verify your current policy requirements.

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Frequently Asked Questions

What is a Standard Flood Hazard Determination Form (SFHDF)?

The SFHDF (FEMA Form 086-0-32) is the official form used to determine whether a property is in a Special Flood Hazard Area. Federally regulated lenders are required to obtain this form for every mortgage loan.

How accurate are your determinations?

Our determinations reference the most current FEMA DFIRM data and are accepted by all federally regulated lenders. If you believe a determination is inaccurate, we will review it at no charge and issue a corrected certificate if needed.

Can I use these certificates for loan closings?

Yes. Every certificate we produce uses the official FEMA NFIP form and is accepted by banks, credit unions, and mortgage companies for originations, refinances, and servicing transfers.

Do you support bulk or API-based lookups?

Absolutely. You can upload a CSV for batch processing or integrate directly with our REST API. We also offer LOS integrations for Encompass and MeridianLink.