Flood Determination and Flood Risk Assessment

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Flood Determinations

Take charge of flood mortgage compliance

Overview

Holistic insights for mortgage compliance with Water-tight Guarantees®

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, via our proprietary tools:

Water-tight Guarantees® flood hazard certification warranty on the Standard Flood Hazard Determination Form provides 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.

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Where to access :

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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.

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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.

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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.

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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.

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Features

Smarter flood risk determinations

Ensure accuracy with our Water-tight Guarantees® and instant delivery of official Standard Flood Hazard Determination Forms. We’ve enhanced our platform with Flood Map Intelligence™ to give you foresight into geographic changes before they impact your footprint.

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Flood Map Intelligence™

Use our interactive storyboard to visualize FEMA map revisions before they take effect. Stay ahead with a dynamic roadmap of localized activity, giving you the vision needed to identify upcoming impacts to your specific lending footprint.

Flood map change preparedness bundle

While the interactive map tool reveals the shifts, this bundle provides the execution. This combination of data, monitoring, and expert support helps you identify impacted loans early, ensure data accuracy, and reduce friction during major revisions.

Future Flood™ zone tracking

Maintain pipeline accuracy and eliminate surprises at the closing table. Access twice-monthly reporting of properties scheduled for a zone change to ensure your originations are protected against the next wave of FEMA map changes.

GSE compliance and disclosure guidance

Leverage expert consulting on GSE requirements and optional advance borrower disclosures. Our analysts provide the strategic support your escrow and insurance teams need to navigate complex regulatory shifts and resolve borrower disputes.