Loan Setup: Flood Certificate

A flood certificate is a document that states the flood zone status of a property. It is required by mortgage lenders to determine whether the property is located in a flood zone and, if so, whether flood insurance is required.

Context: Identifying the document.

  1. Document title

Key takeaways: Important information

  1. Flood zone

  2. Flood hazard area determination

Notes on the flood certificate:

  • Special Flood Hazard Areas (SFHAs) at the base flood or 1-percent annual chance flood are labelled as Zone A, Zone AO, Zone AH, Zones A1-A30, Zone AE, Zone A99, Zone AR, Zone AR/AE, Zone AR/AO, Zone AR/A1-A30, Zone AR/A, Zone V, Zone VE, and Zones V1-V30. Moderate flood Hazard areas labeled Zone B or Zone X (shaded) are the areas between the limits of the base flood and the 0.2-percent-annual-chance flood. Areas of minimal flood hazard are labeled Zone C or Zone X (unshaded).

  • Properties in a special flood hazard area will require flood insurance.

PreviousLoan Setup: NMLS SearchNextLoan Setup: Flood Hazard Notice