Flood Determinations
Take charge of flood mortgage compliance
Holistic insights for mortgage compliance
We provide accurate flood risk assessments for any property, ensuring compliance with the Flood Disaster Protection Act (FDPA) and related regulations. Utilizing our vast property database, patented methodology, and best-in-class geographic information systems technology, we deliver precise flood zone mapping and information. Guaranteed flood determinations on the Standard Flood Hazard Determination Form provide the assurance needed to confidently close loans and meet regulatory requirements. Next-Day Notifications™ inform mortgage servicers of FEMA map changes impacting flood zones. Mortgage borrowers benefit from knowing that their properties are protected by meeting flood insurance requirements, reducing financial risk.
Experience the care you deserve
Get professional care and insights from our certified floodplain managers, while our portfolio analysts maintain your projects. Our supportive client relations agents help resolve your queries quickly and get you the answers you need.
Keep your portfolio strong and audit-ready
Ensure each loan in your portfolio is accurately monitored with our 1:1 matching. Stay audit-ready with current flood map updates to meet regulatory compliance standards, accuracy, and reduce customer complaints.
Know exactly where your property stands
We pinpoint your property's exact location using advanced GIS applications and geocoding, for precise longitude and latitude. Integrations with 50+ loan origination systems guarantee accurate assessments and efficient workflows.
Experience the care you deserve
Get professional care and insights from our certified floodplain managers, while our portfolio analysts maintain your projects. Our supportive client relations agents help resolve your queries quickly and get you the answers you need.
Keep your portfolio strong and audit-ready
Ensure each loan in your portfolio is accurately monitored with our 1:1 matching. Stay audit-ready with current flood map updates to meet regulatory compliance standards, accuracy, and reduce customer complaints.
Know exactly where your property stands
We pinpoint your property's exact location using advanced GIS applications and geocoding, for precise longitude and latitude. Integrations with 50+ loan origination systems guarantee accurate assessments and efficient workflows.
Manage your flood orders easily
Access FloodCert.com for detailed flood zone determinations and hazard information for U.S. properties. An automated system delivers FEMA-compliant certificates instantly, ensuring you get accurate flood risk assessments.
Quick, reliable flood determinations
Get fast, accurate flood determinations with Cotality. Ensure compliance at loan closing with FEMA’s standard form, backed by our seal of data accuracy. Simplify refinancing with our Refinance/Related Loan service. Evaluate special properties cost-effectively.
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Fast evaluations on FEMA's standard form
Basic Flood Determination is a one-time assessment on FEMA’s standard form. It’s quick and accurate, ensuring compliance at loan closing. With Cotality's seal guarantees data accuracy, ensuring that the property meets all flood insurance requirements.
Ongoing flood monitoring for compliance
Life-of-Loan Flood Determination offers comprehensive flood data and ongoing map change map change monitoring with timely alerts. The Flood Hazard Certificate is issued instantly, and further processing is done in 24 hours. Transferable ownership enables uninterrupted monitoring.
Easier flood risk assessments for refinancing loans
Refinance/Related Loan Determination service simplifies flood determinations for refinancing, piggyback, and second mortgages. We independently monitor both first and second loans, ensuring accurate and timely flood determinations throughout their life.
Flood evaluations for special properties
Special Properties Determination evaluates flood requirements for commercial, agricultural properties, construction lending, etc. It offers a cost-effective solution to obtain flood determinations for multiple parcels with one set fee.
94%
of orders returned in under 1 second
>50
integrations with loan orginations systems
>25K
FEMA letters process last year
FAQ
What is Cotality's Flood Determinations service?
Cotality's Flood Determinations service provides accurate flood risk assessments for properties, helping you comply with flood insurance requirements and make informed decisions.
What is the Multiple Structure Indicator (MSI)?
MSI helps you identify properties with multiple structures and visualize them in relation to the Special Flood Hazard Area, ensuring accurate flood risk assessments and compliance.
What is Cotality's Pre-Flood service?
Cotality's Pre-Flood service provides a quick and simple flood risk assessment during the pre-qualification phase, helping you identify potential flood risk loan requirements.
What is Cotality's Future Flood™?
Future Flood keeps you informed about upcoming changes in flood zones for properties in your pipeline or portfolio. This service helps you reduce surprises for your customers, provide advance notice of pending changes, and manage internal and vendor resources affected by flood map revisions.
What is Cotality's Total Flood ?
Cotality's Total Flood is your comprehensive flood compliance solution. It goes beyond the standard flood determinations, Total Flood handles everything from new and acquired loans to ongoing surveillance, LPI processing, map changes, policy reviews, disclosures, regulatory guidance, and compliance management. We streamline your operations, maintain compliance, and mitigate risk by identifying procedural errors, reducing risk, offering expert training, preparing you for exams, increasing customer satisfaction, and supporting LPI processes. With Total Flood, you have total confidence in managing flood risks and compliance, ensuring peace of mind every step of the way.
What are Cotality's Advanced Modeling Techniques?
We use advanced flood modeling that combines data from topography, hydrology, and historical flood events. These models simulate various flood scenarios accurately, offering detailed insights into potential flood risks. By accurately simulating flood scenarios, our models provide detailed insights into potential flood risks, helping you make informed decisions and better manage flood risk.
