Flood Zone Determinations
Basic or Life of Loan, with a Cert Map on every order.
Lenders must determine whether property securing a loan lies in a FEMA Special Flood Hazard Area before closing. United One provides accurate, compliant flood zone determinations for residential mortgage, home equity and commercial lending, available as a Basic or Life of Loan service so you can match coverage to each loan.
Service options
Basic Flood Zone Determination
A one-time determination of the property’s flood status as of the date it is completed. It’s the right fit when you need current determination without ongoing monitoring.
Life of Loan Flood Zone Determination
Everything in the Basic determination, plus monitoring for the term of the loan. We track FEMA map revisions, Letters of Map Amendment and Revision, and changes in community NFIP participation, and notify you with an updated determination if the property’s status changes, so your portfolio stays compliant without reordering.
Included with every determination
The FEMA Standard Flood Hazard Determination Form, identifying the flood zone, map panel and effective date, community participation status, and whether flood insurance is required and available.
An aerial image of the subject property with FEMA flood zone boundaries overlaid. It shows you, your borrower and their insurance agent exactly where the property sits relative to the Special Flood Hazard Area, making it easier to explain an insurance requirement, support quotes, and resolve questions. (Cert Map is a visual reference; the Standard Flood Hazard Determination Form is the official determination.)
Why United One
Our determinations combine advanced technology with hands-on research by experienced staff, so even properties in rural areas are mapped accurately. When questions come up, you talk to a person who knows flood. If you or your borrower disputes a determination, we’ll review it with you using legal descriptions, appraisals and surveys and, if needed, guide you through requesting a LOMA or LOMR from FEMA.
Order online alongside United One’s other risk management services, and receive your determination and Cert Map by web or e-mail. To learn more, call 800-WE-CLOSE x2830 or e-mail [email protected].