Federal flood insurance policies are issued by licensed insurance agents and underwritten by the Federal Emergency Management Agency (FEMA) through the National Flood Insurance Program (NFIP). We provide documents required to certify a property's flood risk so you can obtain a federal flood insurance policy, set you insurance rates, or correct FEMA mapping errors.
Private flood insurance policies are underwritten by private companies and not the federal government. Lenders must accept private policies so long as they meet minimum standards. We provide data and reports to help insurers underwrite policies, and for property owners to better understand flood risk.
Hi everyone. We recently published a press release announcing the launch of our DirectFlood platform so everyone can have access to high-quality and affordable guaranteed flood zone determinations. Here's the press release:
An Elevation Certificate is a form the Federal Emergency Management Agency uses to document the elevation of a structure in comparison to the elevation of the 100-year flood. The difference between the structure and flood elevation is used for many purposes such as:
Everybody loves getting something for free. But in this case, we are only giving out free advice. And trust me on this, you don’t want a free flood zone determination.
There are some websites out there that will tell you what your flood zone is on a free report which sounds like a great deal. But then you realize the company behind the zone is not a professional flood zone determination company and there’s no guarantee that the flood zone is correct. Ok, maybe but just because they aren't professionals for zone determinations and there’s no guarantee, is it really that bad?
Simply, a Flood Zone Determination states which flood zone applies to a property. Or put another way, it is ‘determined’ that your property is in a specific flood zone. The Determinator, which is the company providing the Flood Zone Determination, will use FEMA’s flood maps, the county’s parcel maps, aerial photography, and other maps to figure out which flood zone is applicable to the property.
The Federal Emergency Management Agency’s (FEMA) “Clear Communication Initiative” is intended to inform federal flood insurance policyholders of their flood risk as reflected on the most current Flood Insurance Rate Map (FIRM). This is something congress mandated in the Homeowner Flood Insurance Affordability Act (HFIAA, and specifically Section 28 of that Act). The reasoning is sound, but there are parts that may be confusing, so I want to try and explain “Clear Communications”.