Pre-paid Flood Certificate
Self-service instant one-time flood certificate
Frictionless purchase, flexible options, and past order retrieval
Cotality’s Pre-Paid Flood Certificate portal provides a direct, self-service path to compliant determinations for everyone—including real estate agents, closing attorneys, collateral managers, insurance adjusters, contractors and lending professional.
Built for speed and transaction-ready precision, this on-demand tool requires no contract negiation or account setup. Simply enter an address, pay securely by credit card, and receive your certified PDF and interactive map accesss immediately. Whether you are closing a deal, quoting insurance, or verifying a claim, get the same "gold standard" data the mortgage industry trusts. No hurdles. Just the facts.
On-demand, compliant flood data
Instant, self-service PDF delivery
Enter a property address and receive a certified Flood Certificate PDF immediately. Over 90% of orders are processed in real-time, allowing you to download and share the official FEMA Standard Flood Hazard Determination Form the moment your secure payment is confirmed.
Interactive map and access
Beyond the certificate, gain access to a dynamic mapping tool. Visualize property boundaries against current flood zones and generate custom map exhibits with aerial imagery.
Flexible Basic and Life-of-Loan options
Choose the service you need. Select a Basic certificate for a one-time snapshot or Life-of-Loan for continuous monitoring. With Life-of-Loan we provide notifications to ensure your collateral remains compliant over time.
Frictionless, no-account order management
Purchase certificates as-needed via secure credit card checkout. No contract negotiations or logins are required. The portal allows you to easily retrieve past orders by using your email address and certificate number, or send copies directly from the interface via email or fax.
Instant, self-service PDF delivery
Enter a property address and receive a certified Flood Certificate PDF immediately. Over 90% of orders are processed in real-time, allowing you to download and share the official FEMA Standard Flood Hazard Determination Form the moment your secure payment is confirmed.
Interactive map and access
Beyond the certificate, gain access to a dynamic mapping tool. Visualize property boundaries against current flood zones and generate custom map exhibits with aerial imagery.
Flexible Basic and Life-of-Loan options
Choose the service you need. Select a Basic certificate for a one-time snapshot or Life-of-Loan for continuous monitoring. With Life-of-Loan we provide notifications to ensure your collateral remains compliant over time.
Frictionless, no-account order management
Purchase certificates as-needed via secure credit card checkout. No contract negotiations or logins are required. The portal allows you to easily retrieve past orders by using your email address and certificate number, or send copies directly from the interface via email or fax.
Ready to order your certified flood certificate?
Review the options below and click to make your selection.
Basic Determination (Residential)
Recommended for one-time transactions where ongoing monitoring isn't needed
One-time fee
Life-of-Loan (Residential)
Recommended for lenders and loan servicers requiring long-term regulatory compliance
One-time fee
Basic Determination (Special Property)
For lenders and portfolio managers handling one-time transactions that don’t require ongoing monitoring (as defined below under, “Per single special property determination”).
One-time fee
Life-of-Loan (Special Property)
Recommended for lenders and servicers requiring long-term regulatory compliance for commercial and special properties (as defined below, under ‘Per single special property determination').
One-time fee
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