is a flood zone determination?
Flood Zone Determination (a.k.a. flood hazard determination) is an official
declaration, made by an authorized entity (like a lending institution), or an independent vendor (such as myFloodZone.com), which states
whether or not a property and/or structure lies within a Special Flood
Hazard Area [SFHA]. Flood zone determinations are required
to be published on the Standard Flood Hazard Determination form.
should have a flood zone determination?
homeowners and renters should know the flood zone status of their
residence and should have a certified flood zone determination in their
are flood determinations performed?
laws mandate the method by which flood zone determinations should be
performed. All determinations should be based on the information
depicted on the Flood Insurance Rate Map [FIRM], or the digital
equivalent, for the community in which the building or property lies. A
FIRM (generally referred to as a "flood map") is a map that
shows community features, such as streets, highways, and corporate
boundaries, and any SFHAs that may lie within that community. Some
determinations are automated using digital data while others are
completed manually by skilled Flood Map Technicians using the original,