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Federal Flood Insurance
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.
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Private Flood Insurance
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.
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DirectFlood™
DirectFloodtm is our flood certification ordering platform for flood zone determinations and FloodRisk reports. For systems integration, contact us or see our API.
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Letters of Map Amendment from the Massachusetts Coastal Coalition and MassiveCert
A Letter of Map Amendment (LOMA) is FEMA’s most common and official process to remove your structure from a high risk flood zone. By doing so, you will be removed from the requirement to have flood insurance. HOWEVER, we recommend still purchasing a flood policy, which will be VERY inexpensive.
Once completed, provide the FEMA-approved LOMA to your lender and the mandatory flood insurance requirement is removed. In most cases, you will also receive a refund of the last year’s flood insurance premium. Best of all, there’s absolutely no risk! If we’re unable to remove you from the FEMA high-risk flood zone, we will refund your payment in full.
To begin the LOMA process, upload your elevation certificate and deed or plat of your property (if available).
For general questions, email MCC at info@knowflood.org. For technical elevation certificate questions, email MassiveCert at info@massivecert.com