Frequently Asked Questions

What is a Flood Zone Determination Report?

A flood zone determination report, often referred to as a flood certificate, provides information about a specific property or structure with relation to flood zones, including Special Flood Hazard Areas.  The primary document in a flood report is the Standard Flood Hazard Determination Form, or SFHDF.  Our comprehensive reports to deliver superior precision and clarity, visual verification maps that show you where the flood zones are compared to your property boundary or structures, and come with free expert support.

Can I use a Flood Zone Determination Report to challenge my current flood status?

Yes. In fact, thousands of properties nationwide have been previously mis-identified. Moreover, new FEMA maps are being released each year which can render old determinations useless.  A MyFloodStatus Flood Zone Determination Report will confirm the true flood status of any property, and include both a current and preliminary map. Our experts can advise on opportunities to challenge your current flood status by securing an Elevation Certifiicate or a Letter of Map Amendment (LOMA).

Can you help lower flood insurance premiums?

If your property was previously mis-identified, a certified and insured report from MyFloodStatus proving otherwise, plus the support of our team, can help get your flood insurance premiums reduced or eliminated.

Additional steps beyond the report may be required by your insurer. We can help guide you in any subsequent steps or conversations.

Are your Flood Zone Determination Reports insured?

Yes, each MyFloodStatus flood zone determination report is backed with $3,000,000 Errors & Omission insurance.

If a high-risk flood zone touches my property, but not my home, do I need flood insurance?

National Flood Insurance Program (NFIP) guidelines only refer to the structure location in relation to the high-risk zone, formally known as a Special Flood Hazard Area (SFHA). If your property touches an SFHA, but your structure does not, flood insurance is not required under NFIP. This is why the precision of our reports is so important.

Why are MyFloodStatus Flood Zone Determination Reports better than other resources?

We offer a particularly exceptional and accurate report, thanks to superior technology, mapping assets and expert analysis that has raised the bar in the industry. Our reports are pinpoint accurate, certified and insured, complete with visual verification maps utilizing both Current FEMA FIRMs (flood insurance rate maps) as well as Preliminary FIRMs. Click here to learn more about the limitations of free flood resources.

Are you using the new maps for your Flood Zone Determination Reports?

The idea of “new” vs. “old” maps is a misconception.  There are current maps, called “effective” maps that we use for our determinations. Then there are “preliminary” maps designed to give a glimpse at the future, but not to be used as the basis for an official flood determination.

Can you help me understand my report and my options?

Aboslutely. We pride ourselves on offering detailed personalized service that you won’t find at any “big box” flood providers. Our trained experts are here to examine your reports personally, advise and guide you on any opportunities we see to challenge your flood status.

Will my Mortgage Lender or Insurance Company accept your report?

Our clients include mortgage companies, title companies, banks, and insurance companies who regularly accept and trust our reports, and honor the conclusion or ultimate findings of our reports.

If your lender or insurance company does not use the MyFloodStatus Flood Zone Determination Report, this could be a situation where our reports’ conclusion is different from their own. In those cases a few things could happen: Sometimes our data is so convincing that they change their position based on our report alone. In cases where they don’t just accept our conclusion, the next step is often to hire a surveyor to do an elevation certificate to resolve the issue.

We are here to advise and advocate for you if we believe your have options for recourse or mitigation.

Can I use this report to sell my home?

Yes. Buyers like accurate information about a property they are purchasing. Real estate agents will often run our Flood Zone Determination Report and have a copy attached to the MLS listing. This can make your property more attractive in a town that has a reputation for flooding if the structure is not in a high risk flood zone. Real estate agents can use our report to increase buyer interest/activity and to fully disclose to interested parties any flood related issues.