Standard Flood Hazard Determination Form

The following graphic shows the Standard Flood Hazard Determination Form (SFHDF).  Click a field to view a description of the information that should be entered there.

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SFHDF Field Descriptions

The following instructions were obtained from the Standard Flood Hazard Determination Form Instructions Paperwork Burden Disclosure Notice, which can be found on the FEMA Web site at the following URL:

http://www.fema.gov/business/nfip/sfhdform.shtm

PURPOSE OF FORM

The Standard Flood Hazard Determination Form (SFHDF) has been designed to facilitate compliance with the flood insurance purchase requirements of the National Flood Insurance Reform Act of 1994.

FORM AVAILABILITY

Copies of this form are available from the FEMA fax-on-demand line by calling (202) 646-FEMA and requesting form #23103. Guidance on using the form in a printed, computerized, or electronic format is contained in form #23110. This information is also available on FEMA's Web site, on the Web page previously cited.

TIME NEEDED TO COMPLETE THE FORM

FEMA estimates that it will take about 20 minutes to complete the form.  This is called a “burden estimate.”  

The following part of the notice describes the different sections of the Standard Flood Hazard Determination Form and the information that must be provided for each section.

SECTION 1

  1. LENDER NAME AND ADDRESS

Enter lender name and address.

  1. COLLATERAL (Building/Mobile Home/Personal Property) PROPERTY ADDRESS

Enter property address for the insurable collateral. In rural areas, a postal address may not be sufficient to locate the property. In these cases, legal property descriptions may be used and may be attached to the form if space provided is insufficient.

  1. LENDER ID. NO.

The lender funding the loan should identify itself in the following manner:

  1. LOAN IDENTIFIER

Optional. May be used by lenders to conform with their individual method of identifying loans.

  1. AMOUNT OF FLOOD INSURANCE REQUIRED

Optional. The minimum federal requirement for this amount is the lesser of the following amounts:

Lenders may exceed the minimum federal requirements.

National Flood Insurance Program (NFIP) policies do not provide coverage in excess of the value of the building/mobile home/personal property.

SECTION 2

  1. NATIONAL FLOOD INSURANCE PROGRAM (NFIP) COMMUNITY JURISDICTION
    1. NFIP Community Name

Enter the complete name of the community (as indicated on the NFIP map) in which the building or mobile home is located.

Definition of community

    1. County(ies)

Enter the name of the county or counties in which the community is located. For unincorporated areas of a county, enter "unincorporated areas". For independent cities, enter "independent city."

    1. State

Enter the two-digit state abbreviation. (Examples: VA, TX, CA.)

    1. NFIP Community Number

Enter the 6-digit NFIP community number. This number can be determined in one of the following ways:

If no NFIP Community Number exists for the community, enter None.

  1. NFIP DATA AFFECTING BUILDING/MOBILE HOME

The information in this section (excluding the LOMA/LOMR information) is obtained by reviewing the NFIP map on which the building/mobile home is located.

Note that even when an NFIP map panel is not printed, it may be reflected on a community's NFIP map index with its proper number, date, and flood zone indicated; enter these data accordingly.

    1. NFIP Map Number or Community-Panel Number

Enter the 11-digit number shown on the NFIP map that covers the building or mobile home. (Examples: 480214 0022C; 58103C0075 F.) Some older maps will have a 9-digit number (Example: 12345601A.) Note that the first six digits will not match the NFIP Community Number when the sixth digit is a "C," or when one community has annexed land from another but the NFIP map has not yet been updated to reflect this annexation.

If no NFIP map is in effect for the location of the building or mobile home, enter None.

    1. NFIP Map Panel Effective/Revised Date

Enter the map effective date or the map revised date shown on the NFIP map. (Example: 6/15/93.) This will be the latest of all dates shown on the map.

If a Letter of Map Amendment (LOMA) or Letter of Map Revision (LOMR) has been issued by FEMA since the current Map Panel Effective/Revised Date that revises the flood hazards affecting the building or mobile home, select yes, and specify the date of the letter; otherwise, no entry is required. Information on LOMAs and LOMRs is available from the following sources:

Enter the flood zone(s) covering the building or mobile home. (Examples: A, AE, A4, AR, AR/A, AR/AE, AR/AO, V, VE, V12, AH, AO, B, C, X, D.) If any part of the building or mobile home is within the Special Flood Hazard Area (SFHA), the entire building or mobile home is considered to be in the SFHA. All flood zones beginning with the letter "A" or "V" are considered Special Flood Hazard Areas (SFHAs).

Each flood zone is defined in the legend of the NFIP map on which it appears. If there is no NFIP map for the subject area, enter "none".

    1. No NFIP Map

If no NFIP map covers the area where the building or mobile home is located, select this box.

  1. FEDERAL FLOOD INSURANCE AVAILABILITY

Select all check boxes that apply.  However, note that boxes 1 (Federal Flood Insurance is available...) and 2 (Federal Flood Insurance is not available...) are mutually exclusive.

Federal flood insurance is available to all residents of a community that participates in the NFIP. Community participation status can be determined by consulting the NFIP Community Status Book and the FEMA Map Service Center page. The NFIP Community Status Book will indicate whether or not the community is participating in the NFIP and whether participation is in the Emergency or Regular Program.

If the community participates in the NFIP, select either Regular Program or Emergency Program.

To obtain Federal flood insurance, a copy of this completed form may be provided to an insurance agent.

Federal flood insurance is prohibited in designated Coastal Barrier Resources Areas (CBRA) and Otherwise Protected Areas (OPAs) for buildings or mobile homes built or substantially improved after the date of the CBRA or OPA designation. Information about the Coastal Barrier Resources System may be obtained on FEMA's Web site.

  1. DETERMINATION

Do one of the following:

  1. COMMENTS

Optional.

  1. PREPARER'S INFORMATION

NAME ADDRESS, TELEPHONE NUMBER (if other than lender)

If other than the lender, enter the name, address, and telephone number of the company or organization that performed the flood hazard determination. An individual's name may be included but is not required.

DATE OF DETERMINATION

Enter date on which flood hazard determination was completed.

OTHER INFORMATION

MULTIPLE BUILDINGS

If the loan collateral includes more than one building, a schedule for the additional building(s)/mobile home(s) indicating the determination for each may be attached. Otherwise, a separate form must be completed for each building or mobile home. Any attachment(s) should be noted in the comment section.  A separate flood insurance policy is required for each building or mobile home.

GUARANTEES REGARDING INFORMATION

Determinations on this form made by persons other than the lender are acceptable only to the extent that the accuracy of the information is guaranteed.