Flood Data Services

Every property resides in a flood zone—it’s just a question of whether it’s in a low, moderate, or high risk area. First American Mortgage Solutions is here to help guide you through the flood zone determination process and help you choose the best product for your property.

Determinations Delivered with Peace of Mind

  • Delivered in seconds and promptly returned on the FEMA standard flood hazard determination form.
  • Widely accepted and fully-transferable life-of-the-loan products provide reliable flood data as long as you hold your loans, and can enhance marketability should you decide to sell.
  • We combine leading technologies with a comprehensive repository of flood resources to maintain a 99-percent accuracy rate.
  • Can provide same life-of-the-loan data and tracking services, without servicing and transferability costs.
  • Flood Zone Determination options for commercial properties also available.

Whether you’re processing a first position loan or a second refinance, our line of origination products keep your process moving efficiently forward—all while helping you maintain compliance with Federal Emergency Management Agency (FEMA) flood regulations.

Available Products and Services

Basic Flood Determination

One-time determination valid on the completion date, and delivered on the FEMA standard form that states whether or not the property lies within a special flood hazard area. It’s fast, accurate, compliant, and provides the information necessary to determine whether flood insurance is available or required.

Life-of-the-Loan Determination

Fully transferrable determination that provides reliable flood data for the life of the mortgage. Ideal for monitoring the property for any flood map revisions. Provides peace of mind if you hold a portfolio of loans, and enhanced marketability should you decide to sell your portfolio.

FlexCert Determination

Provides information on whether the structure lies within a Special Flood Hazard Area (SFHA) on the date of determination and tracks the property during the life of loan for any flood map revision. Perfect for portfolio lenders, this determination provides the same flood data and tracking as our life of loan service without the added cost for servicing transferability.